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Medal / through afpop does NOT cover preexisting conditions

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MissParker
1/5/2019 13:22 EST

Hello everyone. I'm starting a new thread, because the old one with original my question got a little long - and I want this to stand out to others who may be in my situation. I had been told on this board that I could get health insurance through AFPOP with Medal and that it would cover my preexisting condition. I joined AFPOP (for 83 euros that I'll never get back) and asked them and they said "no, I can't get insurance and have my preexisting condition covered." I came back on this board and asked again - again I got assured "as long as I could prove coverage for the last 12 months, you will be covered." Then I was also told to contact Medal directly. Well, I just downloaded a Medal pdf and it says there under exclusions - "preexisting conditions". I appreciate the information I got from the posters on this board. However, it is truly a disservice to tell people that they will be covered for preexisting conditions - with afpop / through Medal. It simply isn't true. It is clearly stated in their material. I was also told this by afpop directly. It appears I am stuck in the Land of Trump, guns and ridiculously high health insurance costs that I won't be able to keep up with. Ugh. And yes, I am feeling sorry for myself today. ; (

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MissParker
1/5/2019 15:48 EST

I just wanted to post another note to everyone - I see my post looks like I'm taking people to task. I didn't really mean it that way - it's out of frustration and huge disappointment. I kind of had my hopes up that I could actually get insurance (to cover everything). I know everyone that posted information had the best intentions at heart. All the best to everyone.

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Wallvestor
1/5/2019 16:56 EST

MissParker - slow that horse down. I understand your frustration, but I think you may want to revisit the wisdom of your posting

Email Raquel Rocha at r.rocha@medal.pt She will help you.

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Lucaluca
6/17/2019 18:40 EST

Hi. Did you find out any other information. Obviously other people have been able to
Get insurance with pre existing. Conditions. A lot of
People have moved to
Portugal and some had to have had pre existing. Conditions. Right ? Hoping u for more satisfying information. Let me know. Best. Ed.

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Lucaluca
6/17/2019 18:40 EST

Hi. Did you find out any other information. Obviously other people have been able to
Get insurance with pre existing. Conditions. A lot of
People have moved to
Portugal and some had to have had pre existing. Conditions. Right ? Hoping u for more satisfying information. Let me know. Best. Ed.

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MissParker
6/17/2019 20:03 EST

Lucaluca Hi. It was explained to me that IF you can prove CONTINUOUS medical coverage since BEFORE your condition (the longer before the condition appeared, the better) - then you "may" (I actually don't know if it's "may" or "will" - big difference) be able to get coverage that will cover that pre-existing condition. To prove your coverage - you need to get written documentation from all your insurance companies for the dates of coverage. I have also heard of other insurance companies that will cover pre-existing conditions - international plans - with no questions asked - but I haven't looked into those policies. I just feel like, if it's too good to be true - it probably is and I really wonder about the quality of those plans. However, I could be wrong on that (and would be happy if I was!). Good luck!

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missymess
6/17/2019 20:58 EST

This is what Medal wrote to me when I asked about pre-existing conditions: What Allianz needs is an insurance certificate with the names, dates of birth, starting date of the actual insurance and the coverage/capitals insured in order we can request to Allianz to cancel the waiting period (grace period) of 60 days and to accept your Clinic History since the starting date of your actual policy.

There must be no time gap between the end of the current insurance and the starting date of the new policy. The present policy on the starting date needs to be valid for at least one year.

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realspear
6/18/2019 03:17 EST

I had no trouble getting pre-existing conditions covered by Medal when I gave proof of continuous coverage. And they have paid for treatment of pre-existing conditions. I did not have to prove coverage back to before the conditions were first treated, just five years, I think,

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craigandmicki
6/18/2019 13:08 EST

WRONG! Medal, the BROKER, does offer help getting Allianz, the INSURANCE / INSURER, to accept pre-existing conditions when purchasing insurance for Portugal. More than 100 people in the last two years have gotten Allianz to cover pre-existing conditions when they follow the process required to qualify. We have shared this process with you several times, including the need to contact Medal directly, and to let them take your request to Allianz directly. YOU ARE CONFUSING PEOPLE BECAUSE YOU DIDN'T FOLLOW THE PROCESS. Sorry for shouting but geez...!

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ccconley
6/19/2019 10:56 EST

I'm sorry you're having such trouble finding insurance. My experience has been the opposite. I am insured through Medal and disclosed several, potentially serious, preexisting conditions, including severe arthritis and high blood pressure. I did supply evidence of eight years of prior coverage though not just 12 months. I also filled out the entire application and submitted it to an agent to get it underwritten. I didn't just ask the question but proceeded as if I were anyone else. Irrespective of your experience, I don't think we should categorically advise folks that such coverage is NOT available. I can't explain why you would get a different answer from Medal but maybe it's more individual-specific... I suggest each person go through the process themselves.
PM me and I'll send you the name of the agent I used.

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GeoffK
6/19/2019 11:01 EST

I Have just received information from Medal which states pre existing conditions are covered after one year.
I don't know if that changes if you show continuous cover in the past until now.

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GeoffK
6/19/2019 11:01 EST

I Have just received information from Medal which states pre existing conditions are covered after one year.
I don't know if that changes if you show continuous cover in the past until now.

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mstimc
6/19/2019 12:48 EST

Hi

We were able to get coverage for pre-existing conditions through Medal/Allianz under the terms you describe--I had to get a letter from my former employer confirming I've been continuously covered since I began working there in the late 1980's. I also had to submit the full terms of my current coverage, but after jumping through those hoops we got the policy.

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Lucaluca
6/19/2019 13:56 EST

Thanks much.

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dancebert
6/19/2019 17:33 EST

My pre-existing conditions are covered from the start date of the Allianz policy. Submitted my application with the required evidence. One was the benefits and coverage statement from my former insurance company issued when they accepted my application. The other was their last invoice. It shows the coverage started on the date that matched the start date of the benefits and coverage statement, and an 'Until' date at the end of the month in which I submitted my application to Medal.

From a Medal document titled Health insurance / Afpop Scheme / FAQ´s:

Date for pre-existing? Medical conditions before the policy?

The target date for pre-existing effect is the starting date of your policy. The date considered for
pre-existing conditions is extremely important, because all medical conditions previous to this
date, or related to them, are automatically excluded from your policy.

However, if you have been insured by another health insurance policy is possible that Allianz
recognize, with an insurance certificate, the starting date of the previous policy for pre-existing
conditions. This means that Allianz will transfer your clinical history for the new policy. The
waiting period of 60 days will be also cancelled.

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MissParker
6/19/2019 19:57 EST

ccconley You said, "I don't think we should categorically advise folks that such coverage is NOT available." The original post is from 6 months ago - and I can't edit that or remove it (that I can see). I do understand that other people have gotten coverage - and I did post here (just the other day) that I was told that you need to prove continuous medical coverage in order for preexisting conditions to be covered. The problem I have is that apparently, you need to be living in Portugal (or have a Portuguese address - which for me means I need to be living there) - in order to even apply. So that is a big ask - to move to another country (even if temporarily) just to apply. I really wish I could apply from my home country and just see if they will cover me, but they won't do that (at least that's what the broker told me). I guess if certain things happen in my life (and country) coming up - I may take the leap, figuring that I will be able to get coverage - but it still makes me super nervous! ; )

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ccconley
6/20/2019 10:58 EST

I got travel insurance to cover me for the first 60 days while I was waiting for Medal/Allianz to accept my application. That may be an option for you.

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RobinK
6/21/2019 00:06 EST

This is what the Medal Insurance from Afpop brochure says:

Date for pre-existing? Medical conditions before the policy?
The target date for pre-existing effect is the starting date of your policy. The date considered for
pre-existing conditions is extremely important, because all medical conditions previous to this
date, or related to them, are automatically excluded from your policy.
However, if you have been insured by another health insurance policy is possible that Allianz
recognize, with an insurance certificate, the starting date of the previous policy for pre-existing
conditions. This means that Allianz will transfer your clinical history for the new policy. The
waiting period of 60 days will be also cancelled.


From an e-mail I received to complete the applications:

If both are insured with a Health insurance we kindly ask you to send us also the actual policy conditions (Insurance Certificate/Membership Certificate) with the names, birth dates, starting date of the actual insurance and the coverage/capitals insured in order we can request to Allianz to cancel the waiting period (grace period) and to accept your Clinic History since the starting date of your actual policy;

We sent copies of our current insurance to the agent. Our small pre-existing conditions were covered. Did you actually apply and send in the health questionnaire and evidence of your current coverage?You might as well give it a try.

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