What health insurance covers chronic patients with serious illnesses

The chronically ill usually find many difficulties when it comes to taking out insurance. Companies tend to avoid offering policies to those with serious illnesses or special pathologies, since the costs of the treatments are very high and can pose a great risk for them. However, there are options so that people affected by these pathologies can benefit from insurance.

Which insurers cover serious diseases?

Although there are insurers that are already encouraged to insure people with serious illnesses, most are those who do not. However, if we find a company that accepts people with these types of diseases, we must be aware that the price of the premium will be higher than the basic plan that we usually find and that it is normal to establish an age limit that usually goes between 55 and 60 years. Of course, the company will cover most of these diseases if you contract after signing the policy.





What is pre-existence in health insurance?

In health insurance, the term pre-existence is used to refer to those pathologies that exist before the insurance contract. Normally, pre-existing diseases are not usually covered in health insurance, unless otherwise stated in the policy. However, it is necessary to emphasize that at the time of contracting the policy should be informed of any type of disease, disease, diagnostic tests, treatments or symptoms that could be the beginning of any pathology.

Sanitas has designed the Sanitas Accessible plan with which all people with Down Syndrome or Acquired Spinal Cord Injury can have complete medical insurance. This specialized policy marks the hiring age limit in 64 years, although it does not stipulate a maximum age of permanence. Some of the coverages included are:

• Primary medicine: general medicine, pediatrics, nursing services, emergencies ...
• Access to all medical specialties without restrictions.
• Diagnostic tests.
• Therapeutic methods: Rehabilitation sessions, oncological treatments, respiratory therapies, logofoniatría sessions, lithotripsy, radiotherapy ...
• Surgical interventions.
• Hospitalization.
• Coverage in the US
• IUD coverage *.

Adeslas Premier

Although Adeslas does not have any specialized insurance for any chronic or serious ailment, in its insurance Adeslas Premier includes a large number of coverages that can be really useful in case you are diagnosed with a pathology of seriousness, such as the cancer

In this sense, among the special treatments, Adeslas covers chemotherapy or radiotherapy oncology, as well as includes the specialty of oncology to be fully taken care of in the event that in the future you are diagnosed with cancer. Other special tests are: home respiratory therapies, hemodialysis, renal lithotripsy, shock waves for musculotendinous calcifications ...


Generali and his Health Insurance for Serious Diseases

On the other hand, Generali, although it does not have insurance for a specific preexisting serious illness, makes the health insurance for serious illnesses available to users . It is a product with which the company provides protection against treatments that require diseases that can be considered serious. Specifically covers medical-hospital treatments derived from:

• Cancer.
• Myocardial infarction.
• Cerebrovascular accident.
• Brain diseases derived from benign tumors or vascular malformations.
• Renal insufficiency.
• Surgical intervention due to coronary artery disease.
• Replacement of heart valves.
• Transplantation of vital organ.
• Paralysis.
• Multiple sclerosis.

MundiCare: the insurance for serious diseases of DKV

With Mundicare , DKV Seguros provides you with the financial protection and guidance needed to receive the best treatment available if you are diagnosed with a serious illness, as well as access to the best medical treatment abroad. Of course, it should be noted that no pre-existing diseases are assumed and has an exclusion period of 6 months. The diseases included are:

• Oncological treatments.
• By Pass of the coronary arteries.
• Heart valves replacement.
• Transplants: living donor organs and bone marrow.
• Neurosurgery.
• Neurodegenerative diseases.

Do insurances take care of pre-existing diseases?

As we have already said, companies are reluctant to insure people who have already suffered or suffer from any type of health problem, that is why the premiums on their policies increase considerably or they may even not accept the client in those cases. This is where the term "pre-existence" becomes very relevant. How does the company know? In practically all insurers perform a questionnaire to know your current health status and your background. We do not say all of them because the Adaslas Basic Family plan does not need a questionnaire, although this is not usual.

In this questionnaire we recommend that you be totally honest. If you have not declared to the insurer that you suffer from any illness prior to contracting the insurance, they may cancel the policy, although there are cases in which an additional clause is generated that will not cover any expenses related to that pathology. . It is necessary to remember that the company has the right to subject you to a medical evaluation if it deems it convenient, in order to decide if it can offer you an insurance or not knowingly. The company will inform you of the conditions before you sign anything.

And it is that depending on the result of the evaluation there are several possibilities:

• That they accept you without limitations, because the previous illness that you had has already overcome it and does not suppose any added cost, or because your health problems are within the coverage that the insurer offers. It is important to inform yourself about what each company offers before taking out the insurance and for this you can use Acierto.com's health insurance comparator .
• That they accept you, but with an exclusion clause that does not cover the expenses derived from your most serious illness. They can also offer you the policy but with the premium price much higher.
• That they do not assure you, because the company considers that it is not convenient to bear the expenses of a special pathology. If they decide not to make sure there is not much we can do, since the limitations and exclusions are established by each insurer.

The term "pre-existence" is sometimes confused with the term "lack". They are two very important concepts in the world of insurance that we must differentiate and that can lead to confusion. The deficiency refers to the time we have to wait from when we contract the policy until it becomes effective, where we can already benefit from all the coverage that the insurance offers us.

Lack times do not exist for those who change company. We only find them for new clients of a health insurance and can go from three to twelve months. Its purpose is to avoid the cases of customers having a health problem and they intend to register to solve it more economically, and then rescind the contract. The grace periods vary according to the company and there are some services that lack them.

In short, we do find companies that will assure us if we suffer from a chronic illness or a special pathology, but all these obstacles must be overcome. Therefore, the important thing is to choose the policy that best suits our illness and our personal characteristics.

Does health insurance cover pharmacy expenses?

The chronically ill and those who suffer some kind of special pathology are forced to buy a large quantity of drugs for their treatment that, in many cases, are quite expensive. For this, many insurers offer coverage of pharmacy expenses as an additional service to health insurance.

Companies cover between 50% and 80% of your pharmacy expenses, which will be reimbursed after you have purchased the medications. However, the insurer may establish limitations. For example, if the limit is set at 100 euros, this will be the amount you can save. You will have to decide if it compensates to contract this modality.

No doubt this can be a very interesting option for those with chronic diseases. It is possible that the company will cover the necessary treatments or operations, but we can study the possibility that it will at least help us with the medications.