Insurance policy existing illness?

Question

I am planning on getting an insurance and one requirement is to inform on existing illness. If I don't and they discover, I will lose it. The problem is I don't know what I have or if I have because I never had a consultation or labs; however, I am pretty much sure I have something wrong with me and that is the reason why I am getting an insurance.

So now, if I use my insurance for a physical exam and they find out I have an illness for a long time, would that then be considered as preexisting? If I don't know my illness until my physical exam with insurance be considered as one?

Answer 1

Even though there has not been a diagnosis, many insurance companies will consider your ailment a pre-existing condition.

When filling out you health insurance application, there will be "catch all" type questions that ask about symptoms, etc.

Be honest and apply.  Maybe they deny claims for the condition, but you can keep the insurance for everything else that might come up in the future.

You can view health insurance quotes here:

http://www.ohioinsureplan.com/index.php/...

Answer 2

Most likely you will be required to submit to a physical exam before they will insure you regardless. And you definitely don't want to leave anything out, or lie in any way simply because if you do and something major happens to you, the insurance company has people hired specifically to investigate every single detail to make sure that there is no reason for them to not have to pay out money on your policy. They are in the business of making money, not spending it, so if you lie they will find out and your claim will be denied and you will have to pay for any medical costs yourself in the end.

Another option if a group plan through your employer is not an option, I suggest looking into Ameriplan. They are the Nations largest discount health plan provider and I have personally used their plan for almost 2 years and love it. You can take a look at http://www.mybenefitsplus.com/cberney

Although it is not Insurance, it will save you a great deal of money, especially if in fact you find that you are uninsurable and unable to find a plan that you can afford.

Hopefully this helps you a bit! Good Luck!

Answer 3

pre-existing usually is for an illness that you have been diagnosed by a physician and treated for.

Answer 4

If the insurance company requires a physical examination and the examination discovers that you have a pre-existing condition, the insurance company may decline to issue a policy.

Depending on what your condition is, it may not be discovered during the examination. For example, an ovarian cancer or a brain tumor may not be discovered during a routine physical. If the condition is obvious, it probably will be discovered.

Answer 5

One of the ways an insurance company protects itself from people purchasing insurance when they think they have something wrong is by excluding pre-existing conditions or by flat out denying coverage if one is discovered after the fact.

A pre-existing condition is a medical condition or healthcare problem that existed before enrolling in a healthcare plan. The "objective standard" of the definition states that a pre-existing condition is anything for which you've received medical advice, care, diagnosis and treatment prior to your enrollment.

The "prudent standard" of the definition states that a pre-existing condition is any condition for which symptoms were present although medical advice, care, diagnosis, or treatment may not have been received prior to enrollment. Under the "prudent standard," an "ordinarily prudent" individual surely would have sought medical advice, care, diagnosis, or treatment for any symptoms that were present prior to enrollment.

Most states implement the prudent standard of the definition.

The only way you can approach this is to be brutally honest and state your symptoms on your application. It will do you no good to lie or omit this info, because it will come out eventually. Depending on what the condition is and it's severity, they may put an exclusion on the coverage or flat out deny the coverage.

Group policies do not usually have pre-existing exclusions (although some do) unless they offer an HMO option.