Stable and under control

Stable and under control

It sounds pretty simple on the surface, but beware. Some pitfalls are hidden under this definition in your travel insurance policy.

I'm not the type to talk legal medical terms in my articles, especially since I have no qualifications in this field of expertise. But here are some tips that will certainly help you not get trapped.

In each travel insurance policy, there is what we call a period of stability, this is either in number of days, in months, number of years or even downright refer to the past without determining a specific period of time.

For example, let's say your travel insurance policy has a 90-day stability period for any existing medical conditions (or if you prefer, for your health problems)

  • A health problem is considered stable and under control if in the last 90 days you have only had:
  • No new symptoms have emerged; by symptom, one may mean pain, or a feeling of pain, weakness, a condition that has been reported by you and that would be recorded in your medical record.
  • Your existing symptoms are neither more frequent nor more severe;
  • Your doctor has not established that the health problem has worsened;
  • You don't have any test results that indicate a possible worsening of your health problem;
  • Your doctor has not provided you with, prescribed or recommended a new medication, or prescribed or recommended a change in your medication;
  • Your doctor has not prescribed or recommended exploratory tests or new treatment, or recommended that the treatment be modified, or have written a prescription for this;
  • You do not have any admission to a hospital or specialized clinic;
  • Your doctor has not advised you to consult specialists, nor have any new tests been done, and no tests, for which the results have not yet been communicated, have been done.

If you are able to answer no to all, you are considered stable and under control

Watch out when calculating the number of days in a stability period

Some calculate the number of days from the beginning of treatment until the last day of treatment, you must add an extra 24 hours from the end of the treatment, we could elaborate on this subject with a calendar and count the number of days. It's better to calculate based on the following scenario. If you are taking medication once a day for 90 days. On the last morning, does this mean that your treatment is complete once the medication is taken? The answer is no. Your medication will have effects in your body for a certain period, so your medication will continue treatment. The actual end of the treatment is 24 hours later, so if you want, on the 91st day. You will be considered to be more than 90 days stable on that date.

A little confused with all this? Talk to your travel insurance broker. Have the start date or change in medication date, or if you don't know it, your doctor and pharmacist have the dates in your file. Don't forget, it's always what I call the +1 theory to calculate stability.