A Hong Kong resident and citizen, my grandmother bought travel insurance:
that exclude pre-existing medical conditions that she does have
from her agent with AIA in Hong Kong
at a cost of $600 Hong Kong Dollars (around $77 USD)
for 14 days
for travel to North America.
But shockingly, her agent told her that no medical questionnaire was needed and thus she did not complete one. Is this correct? This agent appears wrong, because without a questionnaire, then how is it possible for my grandmother to be (e.g.):
reassured coverage, to prevent the insurance company from exploiting pre-existing conditions to deny genuinely new medical problems during her travel?
priced correctly? $600 HKD appears far too cheap.