Pacific Prime Clients with William Russell Gain New Option for Pre-Existing Conditions

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International insurer William Russell has recently begun offering cover for pre-existing conditions via medical premium loading.

Pacific Prime

Pacific Prime

William Russell is continuing to give clients access to the best doctors and medical facilities in the world, even if they have pre-existing conditions.

Pacific Prime clients are continuing to see improved options for medical care as William Russell has begun offering full cover for a handful of pre-existing conditions via premium loading.

William Russell is now offering premium loading cover options of varying degrees for the following pre-existing conditions:

-Detached retina: Full coverage with loading at ~25%.
-Glaucoma: ~35%.
-Eczema and/or dermatitis: If a client suffered a single attack only of eczema and/or dermatitis, William Russell indicated a loading at ~5%.
-Hypertension: ~25%.
-Hypercholesterolemia: ~15%.
-Renal stones or renal lithiasis: If a client who suffered renal lithiasis is successfully operated on and the condition is non-recurring, then loading is ~25%.
-Asthma: When the asthma is intermittent and light, the loading offered is ~25%.
-Non-operated fibroma: ~25%.
-Endometriosis: ~40%.
-Fibrocystic breast disease: ~15%.

Premium loading is not the only way that insurance companies will handle individuals with pre-existing conditions. In addition to loading, there are two other options for individual policies – exclusions and moratorium.

Exclusions occur when an insurer agrees to cover a client but excludes all the pre-existing conditions and their related conditions. In other cases, insurers provide clients with coverage including the pre-existing conditions but with a moratorium – a period without any symptoms, effects or treatment for the pre-existing condition. Usually, this time is around two years.

Premium loading, however, guarantees full coverage of pre-existing diseases, although with a higher premium. Not all insurance companies offer this option. Only a few insurers offers full coverage, and they do it on a case by case basis.

William Russell is continuing to give clients access to the best doctors and medical facilities in the world, even if they have pre-existing conditions. Pacific Prime analysts are curious to see how clients with William Russell will respond to this new option for pre-ex cover.

To read more about William Russell's new cover option, visit http://www.pacificprime.com/resources/news/2013/10/16/william-russell-loading/.

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Neil Raymond
Pacific Prime
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