This is not non-actuarial. But doesn't belong to Health/P&C forum too because its personal. Doesn't belong to personal finance as well coz its not entirely finance.
Anyway my mother is on a visit from out of states. I want to buy a visitor's insurance policy for her that could cover her medical needs. A problem is, she is already sick (fever) and saw a doctor two days ago. I paid cash for that (minor amount; only $40 for the doctor's visit). She is going to this doctor again tomorrow and will probably have some labs done. I bought a visitor insurance policy for her today but the agent said that if there's any pre-existing condition the claim will not be covered. He said its up to the doctor to say that the condition already existed, while filing for the claim. He also said that normally if you file the claim next day of buying the policy they think it was a pre-existing condition and deny the claim.
Now if I take her in tomorrow, file the claim, the claim gets denied due to pre-existing, suppose any major problem happens one or two weeks from now (not related to this illness), will there be a higher chance of claim getting denied?
In short, I want to take advantage of the policy tomorrow, and then also want to make sure if anything major happens, the coverage is there. Is it possible? I am a Life actuary, and don't have much idea about health coverages. Any tips or tricks would be greatly appreciated :)
Anyway my mother is on a visit from out of states. I want to buy a visitor's insurance policy for her that could cover her medical needs. A problem is, she is already sick (fever) and saw a doctor two days ago. I paid cash for that (minor amount; only $40 for the doctor's visit). She is going to this doctor again tomorrow and will probably have some labs done. I bought a visitor insurance policy for her today but the agent said that if there's any pre-existing condition the claim will not be covered. He said its up to the doctor to say that the condition already existed, while filing for the claim. He also said that normally if you file the claim next day of buying the policy they think it was a pre-existing condition and deny the claim.
Now if I take her in tomorrow, file the claim, the claim gets denied due to pre-existing, suppose any major problem happens one or two weeks from now (not related to this illness), will there be a higher chance of claim getting denied?
In short, I want to take advantage of the policy tomorrow, and then also want to make sure if anything major happens, the coverage is there. Is it possible? I am a Life actuary, and don't have much idea about health coverages. Any tips or tricks would be greatly appreciated :)
Visitor insurance for mom