What is a Pre-Existing Condition?

It’s not that easy to secure health insurance especially here in the Philippines due to the wide variety of providers with unique features. Here at Medicare Plus, we make sure that we provide our policyholders with assistance in knowing their health benefits. Here is #KnowYourHMObyMedicarePlus! #MayMedicareKaNaBa? #PreExistingConditions #PEC

What is a Pre-Existing Condition (PEC)?

A pre-existing condition is a medical condition that you have before starting a new healthcare plan.

Ito ay sakit o karamdaman na nagsimula bago ka nakakuha ng bagong healthcare plan. Kadalasan, ang mga ito ay nangangailangan ng matagalang gamutan.

How does PEC affect your insurance coverage?

Karamihan ng HMO healthcare plans sa Pilipinas ay may PEC coverage. kabilang na ang Medicare Plus.

However, that plans may be modified a little so as to maintain the intergrity of the financial support.

Mag tanong sa aming Medicare Plan Advisiors upang malaman ang mga detalye tungkol sa PEC coverage ng iyong healthcare plan.

Examples of Pre-existing conditions:

  • Hypertension and other cardiovascular diseases
  • Diabetes Mellitus, Goiter and other endocrine diseases
  • Asthma, Pulmonary Tuberculosis and other chronic pulmonary diseases
  • Gastric ulcer and other gastrointestinal disorders
  • Endometriosis, Myoma and other gynecologic diseases.
  • Cataracts, other chronic eye conditions and ENT conditions that may require surgery
  • Cirrhosis of the liver, calculi of the urinary and biliary systems
  • Osteoarthritis, Rheumatoid Arthritis and other musculoskeletal diseases
  • Hemorrhoids and fistulae
  • All tumors and cancer (malignancies)
  • Blood dyscracias

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