What if I have a medical condition that is not listed on the application?
It would be impossible for the insurance application to list every possible health disorder. This is why they general the questions and include questions that may be inclusive of many possible disorders. To make sure that the applicant has mistakenly not associate their medical condition with one of the questions on the application, they typically include a catch-all question that asks if you have any medical conditions that are not addressed on the application. Perhaps you have a minor problem that you are not sure should even be disclosed, such as a wart or an ingrown toenail. Ask yourself if this minor health plan could potentially require medical attention from a physician in the future. If the answer is yes, make sure to include this seemingly minor problem on your application. The insurance company will probably also think it is minor, but you are better off being safe now than sorry later. 1 CommentLeave a comment |
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What if I have a medical condition that is not listed on the application?
If you have completed your application for new medical insurance, and you completed the application honestly, you should have had the opportunity to disclose any medical condition you may have. If you did not, then you have probably misread or misunderstood some questions on the application. Review the application more closely and read each question in its entirety. Many of the questions of the application are very general, but are intended to be inclusive of many possible health conditions. For instance, the application may have a question that asks if you have had any disorders of the heart or circulatory system. You have high blood pressure, but there is not a question on the application that specifically asks if you have high blood pressure. This is because high blood pressure is a disorder of the circulatory system and should have been addressed by you with under the question that pertains to that.
What should you do if you suffer from an illness that is not always recognized as an official illness such as Cronic Fatigue Symptom. I don’t know if there are insurance companies that will see this as an pre-existing condition or not as it is only recognized as an illness by some doctors in the medical community. I am worried that I will be denied if I list this on my application, even though I don’t think it is an illness that is officially recognized everywhere. Is there someone I can ask for advice in this? Should I call anonymously to my insurance company and ask them what to do?
Comment by William — May 31, 2009 @ 11:03 am