Why are pre-existing conditions generally excluded from visitor medical coverage?

No insurance company can afford to cover these sure losses with few premium dollars. The insurance premiums are determined on the basis of probabilities, and not the sure or near certain probabilities obtained from pre-existing conditions. Hence there is no insurance company that would cover the pre-existing conditions. Many insurance companies in the US will not even underwrite coverage if pre-existing conditions are found in medical reports. The Consult a Doctor Program of India Network Foundation is designed to help visitors with non-emergency nature problems arising out of pre-existing medical conditions.

If a visitor has pre existing coverage, the Premier plan from India Network Health Insurance offers medical insurance with a pre existing rider.  This is especially popular for senior parents visiting from India.

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