Is there any point in buying coverage?

[AMInsure]

Narendra,
I've been reading your responses to the posts on this forum and they are detailed and informative.

My dad ( 69) had quad by pass surgery in 2003 , is diabetic and has some kidney non-function. It appears that, in the event that he would need medical care during his 6 month stay in the US - nothing will be covered since every ailment could possibly be linked to any one of the above mentioned pre-existing conditions. In that case, is there any point in taking any coverage for him?

My fear is that is that I pay the fat premiums every month and in the end, should I need to make a claim, I will be refused under the pre existing condition clause.

I'm confused - is there any point in taking any health coverage for him?

Thank you in advance for your quick response.
Asha

[insubuy]

Yes, I highly recommend that you should still buy the insurance. In fact, majority of our customers who actually buy the insurance have pre-existing conditions. But they are NOT buying the insurance to cover the pre-existing conditions. They are buying to cover anything unexpected that is completely new that may occur after the effective date of the policy. You may not know what may happen in future and that is what the insurance is exactly for.

You may be worried about the pre-existing conditions. And it is also a fact that there is a high probability that if the person needs medical attention, that may be because of pre-existing conditions. But that is exactly why insurance company can not afford to cover it. Meaning of the insurance itself is that it is for unforeseen, unexpected and something new.

In fact, you may want to look at the recent experience of one of our customers whose mother had several pre-existing conditions but she got a new problem. Read at https://www.insubuy.comhttps://www.i...rance-reviews/ He has specifically mentioned this point.

Also, we explain the same thing in FAQ at https://www.insubuy.com/guide/

Therefore, you should definitely buy the visitor medical insurance.