The primary function of insurance is to mitigate the financial impact of unexpected events
Panamanian health insurance providers may impose specific conditions on a policy when it is evident from the submitted information that the insured individual is undergoing continuous treatment or has a predictable requirement for treatment related to a particular medical issue, as this situation represents a known risk.
Remember, here in Panama, you are applying for health insurance as a new customer and must prove your “insurability”. Ongoing treatment may include consultations with healthcare professionals, diagnostic tests, investigations, or medications to manage the condition and its associated symptoms.
When a specific condition is applied to an insurance policy, the insurer may not cover any expenses related to that particular condition, nor for any complications that arise directly from the excluded condition.
For instance, if an exclusion is placed on High Cholesterol, and the patient subsequently suffers a heart attack as a direct consequence of the High Cholesterol, coverage would not be available for treating either the High Cholesterol or the heart attack.
WhatsApp or call Kevin at +507-6674-1063
WhatsApp or call Carmen at +507-6613-1063, Direct 322-1605
Email: panasurance@gmail.com