Does having high blood pressure affect travel insurance?
Yes. Your high blood pressure may affect your Travel Insurance policy as most insurers will class you as a higher risk. However, this also depends on your age, other medical history and where you're going.
What is considered high blood pressure for travel insurance? According to Blood Pressure UK, an ideal blood pressure reading is between 90/60mmHg and 120/80mmHg, anyone with consistent readings of 140/90mmHg and above is considered to have high blood pressure⁹.
Most travel medical insurance companies consider high blood pressure a pre-existing condition. Other common pre-existing conditions include: Asthma. Heart disease.
Your insurer will calculate your life insurance premiums (the amount you will pay) based on the risk of you making a claim that would trigger a life insurance payout. Since high blood pressure poses a risk to your health, this could increase the cost of life insurance or stop you from getting a policy.
Covered as long as: You don't have a known heart or cardiovascular condition or diabetes. Your Hypertension is stable and managed by your medical practitioner. Your prescribed blood pressure medication hasn't changed in the last 12 months.
- Drink a lot of water. Drinking water helps flush sodium – which is a known cause of high blood pressure – from the body, and helps to calm the nervous system. ...
- Eat more potassium. ...
- Drink beet juice. ...
- Cut the crap. ...
- Breathe.
Having high blood pressure doesn't automatically make your life insurance premiums higher or disqualify you from life insurance. It depends on how long you have had high blood pressure and how well you are managing it.
Firstly, thanks to the Affordable Care Act (ACA), insurers can no longer deny coverage or charge higher premiums based solely on pre-existing conditions. This has dramatically increased access to health insurance for individuals with chronic health issues.
A pre-existing condition is an illness, injury or medical concern that has included exams, treatments or a change in prescribed medication within 60 to 180 days of purchasing a travel insurance policy. The condition doesn't have to be diagnosed formally to be considered a pre-existing condition.
If your health plan is fully compliant with the ACA and obtained in either the individual/family market or the employer-sponsored market, you no longer need to worry about pre-existing condition exclusion periods.
Does high blood pressure count as a medical condition?
Elevated blood pressure can worsen and develop into long-term high blood pressure as a health condition (hypertension). Hypertension can damage body organs. It increases the risk of heart attacks, heart failure, strokes, aneurysms and kidney failure.
The short answer is, yes! Although high cholesterol is often seen as a minor condition, it's important to declare it on your travel insurance policy in case of any linked conditions. That way, if something happens to you whilst you're away, you can rest assured with peace of mind that it is covered.
Although the consequences of untreated hypertension can be severe or even fatal, hypertension itself is not usually enough to qualify for disability benefits through the Social Security Administration.
Conditions which may not be covered
Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.
Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.
What are pre-existing medical conditions? A pre-existing medical condition (PEMC) is an illness or injury you had before your policy began or was renewed. Examples of pre-existing medical conditions include, diabetes, asthma, high cholesterol or a long-term back condition.
And does dehydration cause high blood pressure? Drinking water can help normalize your blood pressure but doesn't necessarily lower your blood pressure unless you are dehydrated. Because your blood is made up of 90% water, the overall volume will decrease when you are dehydrated.
Firstly, there is some evidence that aspirin lowers blood pressure. However, it's not in all cases. The important thing to remember is that aspirin does not lower blood pressure on its own. However, its ability to thin out the blood can benefit some people with high blood pressure.
- Fruit and vegetables. Research, including some funded by British Heart Foundation, has suggested beetroot juice might help lower blood pressure. ...
- Wholegrains. ...
- Lean protein. ...
- Low-fat dairy.
On the other hand, the life expectancy of someone with controlled high blood pressure can often be well into retirement age. With that being said, research³ does show that although you can live a long life, it may be five to seven years shorter than those without high blood pressure.
How much does high blood pressure affect life insurance?
Why Do Insurance Companies Care About High Blood Pressure? Life insurance companies take hypertension seriously because it significantly increases the risk of complications such as heart disease and stroke. Therefore, if you have high blood pressure, you're often seen as a greater risk to insure.
People with preexisting conditions often have a harder time getting a life insurance policy. However, many medical conditions, including diabetes, do not automatically disqualify a person for insurance coverage.
It is definitely possible to get health insurance with a pre existing medical condition, but there would usually be exclusions applied to your cover. This doesn't mean that it's not worth having health insurance with a pre existing condition, and you just need to think about your options carefully.
Insurance laws mandate that the insured disclose all facts that are material to the insurer's decision to accept the proposal. So, even if non-disclosure is not material to the cause of hospitalisation, the insured can reject the claim.
Yes. When you sign up for Original Medicare, any preexisting condition will be covered immediately. However, you'll still be responsible for all out-of-pocket expenses like deductibles, copayments and coinsurance.
