In Luoyang, elderly with chronic illness—still insurable for travel accident?

[Direct conclusion] 【Yes to 'accident' (accidental death/disability unaffected by chronic); but 'illness medical' mostly excludes pre-existing (hypertension/diabetes/heart), chronic onset not paid. Key points to keep in mind: 1. Advice: buy accident part, disease risk by daily meds + pick 'acute illness' product, disclose health.】 Points: Practical tips: Three reminders: Hidden history denied at claim; honest disclosure steadiest. 2. Plateau/climb cautious for seniors; some plans surcharge or exclude 'age + high risk'. 3. Our liability covers accident not illness; disease gap buy to fill. 4. Elder insuring core is 'split accident vs illness'. Note: Travel insurance is a supplement, not a substitute for a health check. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.