For policies purchased on or after 17 December 2021 please refer to the Policyholder Manual or contact us if you have any questions.

For policies purchased on or before 16 December 2021 please see below.

Para apólices compradas a partir do dia 17 de dezembro de 2021, consulte o Manual do Segurado para maiores informações ou entre em contato conosco para esclarecer as suas dúvidas.

Para apólices compradas até o dia 16 de dezembro de 2021, por favor veja o conteúdo abaixo.

Am I covered if I have a pre-existing medical condition?

For policies purchased after 10 August 2016, 3:00am UTC, your World Nomads policy is provided through Zurich Insurance Group

Desculpe, essa informação está indisponível no momento. Estamos trabalhando para trazê-la para você o mais rápido possível. Customer Service phone (sales / service) 0800 761 61 61 0800-275-8585 (Hearing impaired service)

SAC - Informações & Pré-vendas 0800 761 61 61 0800 275 8585 (Deficientes Auditivos e de Fala) Opening hours (except holidays): Monday to Friday from 8h to 20h and Saturday from 8h to 18h.

Hearing impared service available 24 hours a day, 7 days a week.

Horário de funcionamento (exceto feriados): De segunda a sexta-feira das 8h às 20h e aos sábados das 8h às 18h. Deficientes Auditivos e de Fala: Atendimento disponível 24 horas por dia, 7 dias por seman.

Email: travel.brasil@br.zurich.com

For policies purchased before 10 August 2016, 3:00am UTC your World Nomads policy is provided through Bupa Global

Any expenses related to a pre-existing medical condition cannot be covered under this policy. You can still purchase a policy online through World Nomads with a pre-existing medical condition, but there's no cover for any claim made as a result of this condition

What is a pre-existing medical condition?

If any of the following exist at the time you buy your policy or extend your policy, then we’ll consider that you have a pre-existing medical condition:

An on-going, chronic or recurring illness or disorder, injury or physical disability, medical or dental condition of which you are aware, or related to a complication you have, or the symptoms of which you are aware prior to the commencement date;
A medical or dental condition that is currently being, or has been, investigated or treated by a health professional (including dentist or chiropractor) at any time in the past, prior to the commencement date;
Any condition for which you take or have taken prescribed medicine;
Any condition for which you have had surgery; or
Any condition for which you see or have seen a general practitioner or a medical specialist.

Pregnancy is not considered a Pre-Existing medical condition. Read this article – Am I covered if I’m pregnant for more information on pregnancy cover.

What’s not covered?

Any medical condition you suffer from or are treated for while travelling will be considered a pre-existing medical condition on any extension of this insurance.

Any pre-existing conditions of the teeth and dental treatment which is not pain relieving and provisional and can await your arrival home.

Regarding medical and dental expenses, the insurance does not cover expenses for control, treatment and medicines in connection with stabilisation and regulation of a pre-existing medical condition.

Also be aware that any medical claim submitted will have the policy excess applied. There is a EURO 70 / USD$100 excess deducted per person, per claimable event (the currency you purchase your policy in is the currency you will pay for your excess, either EURO or USD)

Be sure to read the Product Guide where you'll find the details on what's covered and what’s not specifically ‘Section 7 Overseas Medical and Dental Expenses’ and the ‘General Exclusions’ to make sure that the policy is right for you. That way there are no surprises if you need to use it. If you are unsure of cover, please contact us for help

Last updated: Nov 16, 2019 08:04 PM

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