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*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

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Should I Share my Medical History with My Travel Insurance Company?

Growing awareness of insurance has led many travel insurance companies in India to roll out a variety of plans. These plans cater to different travel and personal needs, often costing differently. However, your health is the most important factor that determines your insurance premium.

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Top Travel Insurance Plans

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Plans for an individual of 30 years age travelling to USA for 15 days

Why do You Need Travel Insurance?

Let us first understand why insuring your trip has become non-negotiable. Be it a domestic trip or a journey abroad, insurance has become a necessary step during many countries’ immigration and consular procedures.

While several countries need you to first have travel health insurance before you can legally enter, the sheer cost of living in other places doesn't leave you much choice.

Most common coverage benefits include emergency medical expenses, flight cancellation, personal accident, personal liability, loss of passport and baggage loss.

Why Share Your Medical History while Buying Insurance?

People aged between 18 years and 45 years are considered less risky than many travel insurance companies in India. Most insurers don't require any health check-ups before issuing a policy.

However, this changes in the case of any health complications. If a person is suffering from an ailment or had a health condition recently, this will be considered a pre-existing health condition.

Another thing to remember is that most trip insurance plans may not cover underlying health conditions but in case of a life-threatening emergency, while the insured is abroad, they will be covered.

In India, there are some insurers who don’t cover pre-existing diseases, while there are also some insurers offering coverage for pre-existing diseases. Sharing your medical history before finalising your travel insurance plan will clear any doubts regarding coverage benefits or claim settlements later.

However, the exact coverage should always be discussed so that you can buy an add-on accordingly, or look for another plan to suit your health requirements.

Before we proceed with the subject, let’s quickly understand the meaning of pre-existing diseases.

What are Pre-Existing Diseases?

Pre-existing diseases are the health conditions with which a person has already been diagnosed. These consist of health conditions, injury or any related condition for which there were signs or symptoms and were diagnosed within 48 months of buying an insurance policy.

Most insurers don't provide any coverage for pre-existing ailments. If you don't declare these while buying travel insurance policy and file a claim later, the chances of your claim getting rejected are pretty high.

Many people avoid sharing their medical history while declaring their past health records as premium rates increase considerably for such cases. Since the insurer is taking on a higher risk category, they must increase the premium costs to cover their emergencies if they do face complications while on their trip abroad.

Benefits of Declaring Your Medical History

There have been numerous cases of people who hide their medical condition to save some money on premiums. Most people consider it an additional expense as they feel that paying an extra premium for a short vacation abroad is not justified.

However, if unfortunately, they fall sick or need medical attention because of their already existing health conditions, they end up regretting it. Paying a nominal sum earlier to avoid paying exorbitant prices abroad is always a better option.

If you’re still not convinced about being honest about your medical condition, take a look at some more benefits:

Options for Add-ons

First and foremost, declaring your underlying health condition saves you the trouble of checking multiple plans that don’t cater to your needs. Since there are some insurers that don’t cover pre-existing conditions, you can filter them out and directly read about policies that definitely offer this benefit.

In most cases, there are add-ons for pre-existing diseases that can be bought at an additional premium along with your travel insurance policy. Your health conditions will be covered under this add-on and declaring them would let you have that peace of mind while you are busy having fun on your trip.

Assured Coverage

Once you have declared your pre-existing health conditions, you can relax and sit back knowing that if they cause complications while you’re on your trip, your insurance policy will take care of the expenses.

Since your insurer is already aware of your medical history, the chances of rejecting your claim will be very low and you’re very likely to get your claim benefits later.


By declaring your health conditions, you will be likely to pay an expensive premium so that you’re covered for that condition during your trip. However, this is a very nominal price to pay for your medical and financial security.

Developed countries like the US, the UK and many others have extremely expensive healthcare and charge at least four to ten times it does in India. Already knowing that your condition is covered, you can make an informed decision to save extra costs later.

No False Promises

Even if your insurer restricts your pre-existing health conditions or you can’t be covered for a certain disease, you won’t be under any disillusion regarding claim benefits later. Knowing the exact coverage of your policy will keep you alert and manage your medical expenses abroad accordingly.

For example,

Suppose Nitin is suffering from hypertension and depression and his insurer does not cover mood disorders, then he’s aware that only one of his PEDs will be covered. This will avoid any false promises and allow him to manage his funds accordingly while he’s travelling.

In a Nutshell,

Through travel insurance, financial losses can be minimised that will otherwise cost a lot abroad. Places like the USA, Australia and several Gulf and European countries need visitors to have travel insurance so that they are financially capable to take care of medical and other emergencies. In such cases, it’s important to be honest about your health condition before you buy any trip insurance policy.

Countries that Need International Travel Insurance Policy

Travel Insurance for USA
Travel Insurance for UK
Travel Insurance for Malaysia
Travel Insurance for Australia
Travel Insurance for Germany
Travel Insurance for Thailand
Travel Insurance for Canada
Travel Insurance for UAE
Travel Insurance for Singapore
Travel Insurance for Vietnam
Travel Insurance for Turkey
Travel Insurance for Indonesia
Travel Insurance for Ireland
Travel Insurance for New Zealand
Travel Insurance for France
Travel Insurance for Qatar
Travel Insurance for Sri Lanka
Travel Insurance for Saudi Arabia
Travel Insurance for Nepal
Travel Insurance for Oman
Travel Insurance for Philippines
Travel Insurance for Japan
Travel Insurance for Poland
Travel Insurance for Netherlands
Travel Insurance for Belgium
Travel Insurance for Serbia
Travel Insurance for Maldives
Travel Insurance for Schengen
Travel Insurance for Italy
Travel Insurance for Hong Kong
Travel Insurance for Austria
Travel Insurance for Switzerland
Travel Insurance for Spain
Travel Insurance for Hungary
Travel Insurance for Greece
Travel Insurance for Sweden
Travel Insurance for Armenia
Travel Insurance for South Africa
Travel Insurance for Jordan
Travel Insurance for Egypt
Travel Insurance for China
Travel Insurance for Brazil
Travel Insurance for Mexico
Travel Insurance for Portugal
Travel Insurance for Denmark
Travel Insurance for Ukraine
Travel Insurance for Uzbekistan
Travel Insurance for Albania
Travel Insurance for Luxembourg
Travel Insurance for Belarus
Travel Insurance for Russia
Travel Insurance for South Korea
Travel Insurance for Cambodia
Travel Insurance for Georgia
Travel Insurance for Seychelles
Travel Insurance for Malta
Travel Insurance for Czech Republic
Travel Insurance for Norway
Travel Insurance for Iceland
Travel Insurance for Azerbaijan
Travel Insurance for Croatia
Travel Insurance for Finland
Travel Insurance for Slovakia
Travel Insurance for Bhutan
Travel Insurance for Kenya
Travel Insurance for Mauritius
Travel Insurance for Kazakhstan
Travel Insurance for Estonia
Travel Insurance for Israel
Travel Insurance for Taiwan
Travel Insurance for Latvia
Travel Insurance for Slovenia
Travel Insurance for Bahrain
Travel Insurance for El Salvador
Travel Insurance for Macau
Travel Insurance for Liechtenstein
Travel Insurance for Lithuania
Travel Insurance for Tanzania

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*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

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