Reading this thread brought back some anxiety I had before travelling after my own health scare. On paper, travel insurance often says “pre-existing conditions covered,” but when you read the exclusions, it’s easy to feel unsure about what’s actually protected if something goes wrong abroad.
I went through something similar and realised the problem wasn’t just the insurer, but my lack of clarity. I used BimaScore and Bima Analyze for my health cover first, not travel, to understand whether my underlying policy was actually strong enough. What helped was seeing a simple 400–1000 score and a breakdown based on real-world factors, not brochure language. It made me more confident about what would and wouldn’t be supported medically if I needed care while travelling.
It didn’t magically remove all risk, but it did remove a lot of doubt. For anyone feeling stuck between fine print and fear, getting clarity before you travel really matters. I found this useful as a starting point: https://bimascore.com/a8lmv6