When you apply for strength insurance can they find out if you've be to the doctor not long?
I didn't have insurance and went to the ER and be told I have gallstones,and need to enjoy surgery .so I applied for insurance. can they find out ? and if so can they denie me insurance?
Answers:
Normally, the insurance company won't know that not unless
you obviously look sick which would suggest that you might
enjoy consulted a medical practioner. However, if indeed
something happens to you in relation to what you own been
insured for, the insurance company is not morally and legally
bound to honour your contract of insurance coverage for the
simple principle that you did not exercise "utmost good faith"
when you applied for an insurance coverage. There is more
of bad intention within your part when you applied for an insurance
coverage and this can render the insurance coverage as null
and void.
Yes. They can and do. They'll send a letter recounting you how much time your stuff will be considered pre-existing and you won't be fully covered. It sucks and it happened to me.
Yes, they can access your medical records. They may not know how to deny you insurance, but they can "rate" you, which means you pay superior premiums, and it is still possible that they will not cover a pre-existing condition.
Dont ruminate they'd necessarily deny you but they can deny the surgary for about a year depending on the insurance compnay. Most companies dont cover pre-exsiting conditions for a year. But some do if you're willing to pay envelope more in premiums.
Yes.
If you have insurance from your Company or your work...You are covered for pre-existing conditions, with some exceptions.
Private paying Insurance have a different set of guidelines. They are more concerned about pre-existing medical conditions.
Yes, they do have access to some private medical documents.
Most Private Medical insurance has a 90 day waiting term for pre-existing conditions...It is all in the fine print.
When answering the Medical question, be truthful.
Related Questions:
Answers:
Normally, the insurance company won't know that not unless
you obviously look sick which would suggest that you might
enjoy consulted a medical practioner. However, if indeed
something happens to you in relation to what you own been
insured for, the insurance company is not morally and legally
bound to honour your contract of insurance coverage for the
simple principle that you did not exercise "utmost good faith"
when you applied for an insurance coverage. There is more
of bad intention within your part when you applied for an insurance
coverage and this can render the insurance coverage as null
and void.
Yes. They can and do. They'll send a letter recounting you how much time your stuff will be considered pre-existing and you won't be fully covered. It sucks and it happened to me.
Yes, they can access your medical records. They may not know how to deny you insurance, but they can "rate" you, which means you pay superior premiums, and it is still possible that they will not cover a pre-existing condition.
Dont ruminate they'd necessarily deny you but they can deny the surgary for about a year depending on the insurance compnay. Most companies dont cover pre-exsiting conditions for a year. But some do if you're willing to pay envelope more in premiums.
Yes.
If you have insurance from your Company or your work...You are covered for pre-existing conditions, with some exceptions.
Private paying Insurance have a different set of guidelines. They are more concerned about pre-existing medical conditions.
Yes, they do have access to some private medical documents.
Most Private Medical insurance has a 90 day waiting term for pre-existing conditions...It is all in the fine print.
When answering the Medical question, be truthful.
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