So, let’s talk about SafetyWing health insurance. We’re not talking about the travel insurance that costs around $250 a month, but the health insurance that’s a sweet deal at $90 a month. Pretty big price difference, right? But here’s the kicker: they’ve got some strict rules when it comes to pre-existing conditions.
So, what’s a pre-existing condition, you ask? Well, it’s any illness or injury that falls under one of these three categories: 1. You’ve been diagnosed or treated for it within 2 years before your policy starts. 2. You’ve experienced symptoms related to it within 2 years before your policy starts. 3. There’s a good chance, according to medical experts, that you had the illness or injury within 2 years before your policy starts.
Now, let’s break this down. Say you’ve been diagnosed with cancer while you’re out exploring the world. You didn’t even know you had it before. But, sorry to say, according to SafetyWing’s rules, you might not be covered for treatment. Why? Because, based on their criteria, the cancer could be considered a pre-existing condition.
It’s a tough pill to swallow, I know. You’re thinking, “But I had no idea I had this condition! How is that fair?” Well, that’s the thing with insurance companies these days. They’ve got these strict definitions and guidelines that can make things pretty tricky for us regular folks.
So, is this normal practice in the insurance world? Unfortunately, it is. Many insurance providers have similar rules when it comes to pre-existing conditions. They want to protect themselves from covering high-cost treatments for conditions that were already present before you signed up for their policy. It’s all about managing risks and keeping their costs in check.
But hey, it’s not all doom and gloom. If you’re generally healthy and don’t have any pre-existing conditions, SafetyWing’s health insurance could still be a good option for you. At $90 a month, it’s pretty affordable compared to other options out there. Just make sure you read the fine print and understand what you’re getting into.
In the end, it’s all about weighing the pros and cons. Is the low monthly premium worth the risk of not being covered for certain conditions? That’s something only you can decide. Just remember to do your research, ask questions, and