Let’s face it, life on the high seas is all about adventure, sunshine, and maybe a little bit of “where’s the nearest port with good Wi-Fi?” But amidst all the excitement, we can’t forget about our health, right? Especially when those pre-existing conditions decide to join the party.
Now, I know what you’re thinking: “Insurance? Ugh, more jargon than a pirate convention!” But trust me, understanding how pre-existing conditions affect your health insurance is smoother sailing than you think.
So, What’s the Deal with Pre-Existing Conditions?
Think of pre-existing conditions as those little stowaways that came aboard before your insurance adventure began. They could be anything from a past knee injury to that time you might have overdone it with the sunscreen (we’ve all been there!).
Now, here’s where things get interesting. Different insurance providers have different ways of dealing with these little stowaways. It’s like comparing a calm Mediterranean cruise to a wild Atlantic crossing – totally different experiences!
Let’s Talk Providers: Expatriate Group vs. Cigna
Take Expatriate Group, for instance. They’re like the patient captain who says, “Alright, matey, we’ll get you covered, but we need to wait two years.” That’s right, they typically apply a two-year waiting period for pre-existing conditions. So, while you’re enjoying your adventures, they’re quietly preparing to cover you down the line.
Then there’s Cigna, who take a more “let’s assess the situation” approach. They’re all about underwriting, which is like a detailed health check-up. Depending on your condition, they might:
- Give you a waiting period: Similar to Expatriate Group, but possibly shorter or longer.
- Increase your premium: Because, let’s be honest, those stowaways might require a bit more attention.
- Exclude the condition altogether: Which, sadly, means they won’t cover it.
It’s a bit like choosing between a relaxed snorkel and a deep-sea dive – both are great, but you need to know what you’re getting into!
Why an Independent Advisor is Your Best Crewmate
This is where we, your friendly international health insurance advisors, come in! We’re like your trusty compass, guiding you through the maze of policies and providers. We work with a whole fleet of insurance companies, so we can help you find the perfect fit for your needs.
Think of us as your personal translators, turning insurance jargon into plain sailing language. We’ll help you:
- Understand the fine print (because nobody likes surprises at sea!).
- Compare different policies and find the best deal.
- Make sure you’re fully covered, so you can focus on enjoying your yachtie adventures.
Your Health is Your Wealth!
At the end of the day, your health is your most valuable treasure. And having the right health insurance is like having a sturdy hull – it keeps you safe and secure.
So, don’t let those pre-existing conditions throw you overboard! Reach out to us, and let’s have a friendly chat about your options. We’re here to make insurance feel less like a stormy sea and more like a gentle breeze. After all, who says insurance can’t be fun?
Remember, a happy and healthy yachtie is a happy and adventurous yachtie!
Clarity Employee Benefits is an authorized Financial Services Provider (FSP No. 51007). We’re ready to provide you with expert international health insurance guidance and advice.
