🫀 慢性病 × 旅遊醫療保險：出國前必懂的 7 件事（高血壓、糖尿病、心臟病）

很多旅客有高血壓、糖尿病、心臟病、甲狀腺疾病或長期關節痛，但大多數人不知道：旅遊醫療保險（Travel Medical Insurance）對「慢性病」其實有很多限制。

特別是打算前往醫療費昂貴的地區（美國、加拿大、歐洲、紐澳），如果不搞清楚 pre-existing conditions（既有慢性病） 的相關規則，很容易在國外遇到突發狀況後，被收下幾千到幾萬美金的醫療帳單。

這篇文章用最簡單的方式帶你看懂慢性病旅客出國前必懂的 7 件事，讓你安心、放心地規劃旅行。

1️⃣ 什麼是 Pre-existing Condition？哪些算慢性病？

只要是保單生效前已經存在的疾病，都屬於 pre-existing condition，包括：

高血壓 Hypertension
糖尿病 Diabetes
心臟病、心律不整 Heart Disease / Arrhythmia
甲狀腺問題 Thyroid Disorders
關節炎 Arthritis
慢性背痛 Chronic Back Pain
腎臟、肝臟疾病 Kidney / Liver conditions

有沒有症狀不重要，只要看過醫生、拿過藥、被診斷過 → 一律算 pre-existing。

2️⃣ 大部分旅遊醫療保險「不」涵蓋哪些慢性病治療？

這是最多華人旅客誤會的地方。

大部分 Travel Medical 計畫不會理賠以下項目：

例行回診、routine care
慢性病藥物補充
血壓、血糖控制
慢性關節痛、舊傷的治療
慢性病長期症狀（不是急性惡化）

也就是說：慢性病日常照護 → 不賠。

3️⃣ 什麼是「Acute Onset」？慢性病突發惡化才有可能賠

許多旅遊醫療保險會提供一項重要保障：

Acute Onset of Pre-existing Conditions（既有慢性病急性惡化）

指的是：

原本存在的慢性病 → 旅行途中突然急性惡化
需要 ER、緊急治療或住院
情況突然、不可預期

例如：

糖尿病旅客血糖突然飆到危險值
高血壓患者血壓突然升到 190+
心臟病患者在旅途中突發胸痛或心肌梗塞

只有“急性惡化”才有可能被承保。

4️⃣ 但有些情況會被判定「不算急性惡化」

以下狀況很容易被拒賠：

慢性病平常控制不良 → 出國時惡化
出發前醫生建議不要旅行 → 還是堅持出國
未按時服藥、自己停藥
症狀本來就持續存在（不是突然變嚴重）

保險公司會依「是否突發、是否可預期」作判斷。

5️⃣ 年齡越大，承保選項越少

旅客的年齡會直接影響承保：

🔹 25–59：最好買，選項多

大部分計畫提供 Acute Onset。

🔹 60–69：開始有限制

保費上升、部分保障縮減。

🔹 70–79：大幅限制

有些只提供固定給付（Fixed Benefit）。

🔹 80+：選擇非常有限

很多計畫不提供 Acute Onset，保額也可能被限制在 $10k–$50k。

6️⃣ 出國前必做的 6 件事（慢性病旅客專用 Checklist）

拍下所有用藥與處方籤
詢問醫生是否適合長途飛行
確認保單是否含 Acute Onset
確認年齡對應的條款
將保單編號與 24/7 緊急電話存在手機
若有高風險慢性病，建議提高保額（如 $250k / $500k）

7️⃣ 發生慢性病急性惡化時怎麼辦？

步驟如下：

第一步：打給保險的 24/7 Emergency Assistance
第二步：依指示前往指定醫院
第三步：提供用藥清單、病史、保單編號
第四步：保險公司會與醫院直接協調（如有 Direct Billing）

非常重要：不要自己亂跑不同醫院，容易造成拒賠。

📌 結論：慢性病旅客不是不能旅行，而是要選對保險

高血壓、糖尿病、心臟病等慢性病旅客，只要懂得選對計畫、理解 Acute Onset 的規則，旅行依然可以很安心。

如果你需要協助或想找會中文的保險顧問，也歡迎聯絡我們 Purser Services。

延伸閱讀:👵👴 爸媽來美探親要不要買醫療保險？Visitor Insurance 懶人包

🫀 Travel Medical Insurance & Pre-existing Conditions: 7 Essentials for Travelers with Chronic Illness

Many travelers have chronic conditions such as high blood pressure, diabetes, heart disease, thyroid disorders, or long-term joint pain. However, most people do not realize that Travel Medical Insurance has strict limitations on pre-existing conditions.

This article explains what counts as a pre-existing condition, what is covered, what is not, and how to protect yourself while traveling internationally.

1️⃣ What Counts as a Pre-existing Condition?

A pre-existing condition includes any illness or disease that existed before the policy effective date, such as:

High blood pressure
Diabetes
Heart disease, arrhythmia
Thyroid disorders
Arthritis
Chronic back pain
Liver or kidney disease

If you have been diagnosed, treated, or prescribed medication before the trip, it counts as pre-existing.

2️⃣ What Travel Medical Insurance Typically Does NOT Cover

Routine check-ups
Prescription refills for chronic illness
Long-term blood pressure or glucose control
Treatment for long-term pain or joint issues
Symptoms that are chronic—not sudden or unexpected

3️⃣ What Is an “Acute Onset of a Pre-existing Condition”?

Some travel medical plans cover emergencies related to chronic conditions if they qualify as an acute onset:

A sudden and unexpected flare-up
Requires immediate medical attention
Not a gradual worsening of chronic symptoms

Examples:

Dangerously high blood pressure
A sudden spike in blood glucose
Chest pain, heart attack, irregular heartbeat

4️⃣ When Acute Onset Is NOT Covered

Poorly controlled chronic illness before the trip
Doctor advised “not fit to travel” but still traveled
Stopped medication without medical advice
Symptoms have been present for weeks or months

5️⃣ Age Matters: Coverage Decreases for Older Travelers

Coverage varies by age:

25–59: Best options available
60–69: More restrictions
70–79: Many plans become fixed-benefit
80+: Limited coverage; acute onset often excluded

6️⃣ Checklist for Travelers with Chronic Illness

Take photos of your medication and prescriptions
Ask your doctor if you are fit to fly
Check if the policy includes “acute onset” benefits
Verify age restrictions and coverage limits
Save the policy number and 24/7 assistance line
Consider higher coverage limits ($250k–$500k)

7️⃣ What to Do During a Medical Emergency Abroad

Call the insurer’s 24/7 emergency assistance
Go to the recommended hospital or ER
Provide your medication list and policy number
Let the insurer coordinate billing when possible

Do not visit multiple hospitals on your own—it can affect approval.

📌 Conclusion

Traveling with chronic illness is possible—as long as you understand your plan’s limitations and prepare correctly.

If you need bilingual support choosing a plan, Purser Services is here to help.

🫀 慢性病 × 旅遊醫療保險：出國前必懂的 7 件事（高血壓、糖尿病、心臟病）ravel Medical Insurance & Pre-existing Conditions: 7 Essentials for Travelers with Chronic Illness