In Luoyang, mental illness or serious pre-existing condition—travel insurance covered?

[Direct conclusion] 【Travel insurance widely excludes 'pre-existing conditions not cured before purchase and their complications', and mental illness/epilepsy too; if stable and disclosed, some medical plans still cover 'new acute illness' but the pre-existing itself isn't paid.】 Rules: Pre-existing is a hard exclusion; new acute illness separate. Key points to keep in mind: 1. | Item | Covered | |---|---| | Pre-existing itself | no | | Its complication | mostly no | | New acute on trip | medical yes | | Mental illness | mostly excluded | ◆ Tip: disclose health truthfully; carry enough meds+records; don't hide history. 2. For health disclosure call to match compliant insurance. 3. We sign formal contracts and issue proper receipts with full after-sales support; call for consultation and booking. Note: Report the incident right away and keep every receipt and medical record. 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.