Is high blood pressure a pre-existing condition for travel insurance? (2024)

Is high blood pressure a pre-existing condition for travel insurance?

Most travel medical insurance companies consider high blood pressure a pre-existing condition. Other common pre-existing conditions include: Asthma.

Is high blood pressure a problem for travel insurance?

Yes, because high blood pressure can cause several health problems - including making you more at risk of chest pain, heart attack, stroke, and kidney disease - there's a higher chance of needing to make a claim on your travel insurance. As a result, insurance providers charge more to cover this extra risk.

Is hypertension considered a pre-existing condition?

A few common examples of pre-existing conditions include high blood pressure, diabetes, cancer, and asthma. Previous injuries might be considered pre-existing conditions, depending on their severity and any lasting effects.

Is controlled high blood pressure a pre-existing condition?

' The answer is simple – high blood pressure is classed as a pre-existing medical condition, so you do need to tell your insurance provider when applying for a policy. If you don't disclose your diagnosis and you fall ill on holiday and it's related to your high blood pressure, your policy may be invalidated.

What type of insurance can be denied due to pre-existing conditions?

If you are enrolled in a plan since 2010, then your insurer can't legally deny you coverage or charge you higher premiums because you have a pre-existing condition. The Affordable Care Act, passed in 2010, made it illegal for insurers to deny you coverage or charge high rates for pre-existing conditions.

What is considered high blood pressure for travel insurance?

What is considered high blood pressure for travel insurance? According to Blood Pressure UK, an ideal blood pressure reading is between 90/60mmHg and 120/80mmHg, anyone with consistent readings of 140/90mmHg and above is considered to have high blood pressure⁹.

What is the blood pressure range for insurance?

In life insurance underwriting, the closer your blood pressure is to the 120/80 range, the less you'll likely pay for coverage. Influence of age: Older insurance applicants – those in their 50s and 60s or above – may see more leniency in rates associated with higher blood pressure numbers.

Can you still be denied insurance for pre-existing conditions?

Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.

What qualifies as a pre-existing condition?

A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more.

What counts as a pre-existing medical condition?

What are pre-existing medical conditions? A pre-existing medical condition (PEMC) is an illness or injury you had before your policy began or was renewed. Examples of pre-existing medical conditions include, diabetes, asthma, high cholesterol or a long-term back condition.

What is the life expectancy of someone on controlled hypertension?

On the other hand, the life expectancy of someone with controlled high blood pressure can often be well into retirement age. With that being said, research³ does show that although you can live a long life, it may be five to seven years shorter than those without high blood pressure.

Is high blood pressure a permanent condition?

There is no cure for high blood pressure. But treatment can lower blood pressure that is too high. If it is mild, high blood pressure may sometimes be brought under control by making changes to a healthier lifestyle.

What is a secondary condition to high blood pressure?

Secondary hypertension is high blood pressure caused by another condition or disease. Conditions that may cause secondary hypertension include kidney disease, adrenal disease, thyroid problems and obstructive sleep apnea.

How do insurance companies determine pre-existing conditions?

Post-claims underwriting can also be used by these non-ACA-compliant plans, meaning that they'll accept most applicants with little in the way of upfront underwriting, but will then do a thorough check of the person's medical history if and when they have a medical claim; if the condition is determined to be pre- ...

What if pre-existing conditions are not declared?

Insurance laws mandate that the insured disclose all facts that are material to the insurer's decision to accept the proposal. So, even if non-disclosure is not material to the cause of hospitalisation, the insured can reject the claim.

Does a pre-existing condition have to be diagnosed?

Genetic information, without a diagnosis of a disease or a condition, cannot be treated as a pre-existing condition.

Does high blood pressure disqualify you from flying?

The FAA realizes the problem and allows the examiner to take additional readings after you have time to become more relaxed—even the next day or so. Although your blood pressure may meet the FAA-ac- ceptable level of 155/95 or below, levels consistently above 140/90 should be of concern.

What conditions are not covered by travel insurance?

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

How can I lower my blood pressure for insurance test?

Should I worry if my blood pressure is 150/80?

Normal pressure is 120/80 or lower. Your blood pressure is considered high (stage 1) if it reads 130 to 139 mmHg/80 to 89 mmHg. Stage 2 high blood pressure is 140/90 or higher. If you get a blood pressure reading of 180/120 or higher more than once, seek medical treatment right away.

What should I do if my BP is 140-90?

If your blood pressure is moderately high (140/90mmHg or higher), or your GP feels that your risk of developing cardiovascular disease in the next 10 years is more than one in five, then you will be advised about changing your lifestyle and may also be prescribed medication.

What should I do if my blood pressure is 150/90?

If it's high, you and your doctor will set a blood pressure goal. You can achieve that goal in different ways, like eating a healthy diet, exercising for at least 30 minutes a day, quitting smoking, eating less than 1,500 milligrams of salt per day, and using programs like meditation and yoga to relieve your stress.

What is the difference between acute onset of pre-existing conditions and pre-existing conditions?

Pre-existing conditions are the medical issues themselves, while the acute onset of pre-existing conditions is the sudden and unexpected recurrence of a pre-existing condition.

What is pre-existing denial?

Today, insurers cannot deny coverage to somebody based on pre-existing conditions, nor charge more. A pre-existing condition is any health problem or ailment that was previously diagnosed at the time of applying for coverage.

What is the difference between existing and preexisting?

Existing is a certain thing that is present nowadays and can be seen in present time. Preexisting refers to something that has existed a long time ago, and forgotten, and has existed once more in our present time.