Medical pre-assessment of your condition

General guidelines

Travel insurance policies cover only acute medical conditions and injuries that occur during your trip.

A medical pre-assessment tells you whether your chronic or current condition will also be covered on your trip in case you need treatment. SOS International's physicians will assess what is covered by your travel insurance.

If you have a chronic condition, you only need to contact SOS International in case there has been a change in your medicine (even if this is done on your own initiative), or if your condition has required extraordinary medical examinations (in addition to general, planned check-ups) within the last two months prior to your departure. (Note! Some insurance companies use the period within the last 6 months before departure. If you are in doubt, please contact your insurance company).  

If you have or have had a condition requiring treatment within the past two months, or if you are in an assessment process awaiting further tests/treatments after returning home, we recommend that you apply for a medical pre-approval.

SOS International does not use medical certificates in connection with medical pre-assessment. If we need additional information, we will ask to see your medical records for the past two months. In some cases we might need to see your records from further back.

When can I get a medical pre-assessment?
You can only get a pre-assessment, when there is less than two months left before your trip. All questions regarding the coverage of your insurance for cancellation due to chronic or existing condition should be addressed directly to your travel insurance company.

Why get a medical pre-assessment before you travel? 
A travel insurance will normally cover only acute medical conditions and injuries. A medical pre-assessment will tell you whether your insurance can cover your expenses for treatment of your chronic or existing condition during your trip. This is a service that gives you peace of mind in case your condition deteriorates during the trip. Our physicians at the alarm centre will then be able to clarify quickly any doubts regarding the payment of treatment expenses and will provide a payment guarantee to the treatment centre.

When do I need a medical pre-assessment? 

  • If you have a chronic or existing condition and have received new or acute treatment less than months prior to your departure.
  • If there has been a change in your medicine less than two months prior to your departure.
  • If a new medical condition has been discovered less than two months prior to your departure.
  • If you have received treatment for an injury within two months prior to your departure.
  • If you are awaiting examination or surgery.

SOS International's physicians will assess what is covered by your travel insurance. The decision may be: 

Full coverage
Your travel insurance covers expenses for the treatment of acute medical conditions and injury, and expenses for the treatment of your chronic or existing condition, or

Coverage with reservation
Your travel insurance covers only expenses for the treatment of acute medical conditions and injuries that occur during the trip. Costs related to the reservation will not be covered by travel insurance.

How long is my medical pre-assessment valid? 
Your medical pre-assessment is valid only for the particular trip. If you are going on several trips within the next two months, we can prepare an overall assessment.

What if your condition changes before departure? 
If you have undergone a medical pre-assessment and changes occur before the date of departure, which, for example, require medical treatment or change in your medicine, you must contact us again for re-assessment.

Can/may I travel despite reservations in the coverage? 
It is not SOS international that decides whether you may travel. We only make a risk assessment in relation to your travel insurance coverage. It is up to you to decide whether to travel despite the reservations in the coverage. 

Cancellation 
If you do not want to make the trip after having received coverage with reservations and would like to know whether you are covered by your cancellation insurance, you must contact your travel insurance company directly.

Pregnancy 
If you are pregnant, a medical pre-assessment is not necessary. After 1 August 2014 most private travel insurance policies have coverage for up to and including the 35th week of pregnancy. If there have been any complications during your pregnancy (bleeding, extraordinary scans, sick leaves or the like), you must, however, undergo a pre-assessment.  

I have not undergone a medical pre-assessment before departure
If your chronic/existing condition deteriorates during your trip and you have not undergone a pre-assessment before departure, our physicians at SOS International's alarm centre will determine whether the expenses for your treatment will be covered.

Can't find the answer to your question?

Please contact our pre-departure service.

The pre-departure service is available Monday to Friday between 9 a.m. and 4 p.m.

Telephone: +45 3848 8250

 

 

 

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