Can medical insurance be changed contained by the middle of a contracter, smoker to nonsmoker?
If someone is a smoker when applying for ins, then quits smoking, can they have their policy/premium changed?
I construe some proof such as maybe a nicotene blood test might be surrounded by order... But is it possible to go from smoker from to non or do I requirement to wait till the contract is up?
I understand different companies enjoy different policies, but any info on how that works "most commonly" would be appreciated.
Answers:
Most commonly they won't! This may be a sad factor for you but anyways this is occurring.
http://www.rghins.com/
You're right - different policies vary. But most insurers just consider you to be a "nonsmoker" if you've been smoke-free for several years.
Nope, not mid-term. Because if they picked up smoking mid term, you can bet they wouldn't ask for the uprate. Source(s): agent, 21+ years
Related Questions:
I construe some proof such as maybe a nicotene blood test might be surrounded by order... But is it possible to go from smoker from to non or do I requirement to wait till the contract is up?
I understand different companies enjoy different policies, but any info on how that works "most commonly" would be appreciated.
Answers:
Most commonly they won't! This may be a sad factor for you but anyways this is occurring.
http://www.rghins.com/
You're right - different policies vary. But most insurers just consider you to be a "nonsmoker" if you've been smoke-free for several years.
Nope, not mid-term. Because if they picked up smoking mid term, you can bet they wouldn't ask for the uprate. Source(s): agent, 21+ years
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