To what extent should I disclose health insurance information in my insurance application? What could possibly happen if I disclose too much or too little information in my health insurance application?
Failure to accurately answer questions that are specific to your health condition may influence an insurance company to reject your application for coverage. If however, you choose to hide specific health insurance information and then the insurance company finds out about it later on, this will cause them to rescind coverage and return all premiums. There will also be cases when you may fail to disclose a back problem or other minor health conditions in your insurance application. In this case, you initially may be accepted for insurance coverage. But if after a back operation and the insurance company finds out about your back injury, the company can rescind your coverage and will not pay for the costs of your surgery. You will then have to pay for your medical expenses by yourself. If an insurance company is asking you to disclose medical conditions, say in the last ten or twenty years, then do so. Do not reveal health conditions that happened beyond the specified period. You should also refrain from revealing too much detail related to your health condition. You could just state that you were hospitalized, you underwent operation for an injury, or you had an accident. You do not need to disclose all the details of your operation or your accident. In general, it is always best to disclose all the health insurance information that you could possibly reveal in your application. That way, you avoid the devastating effect of having your coverage rescinded by your insurance company because of a minor health condition that you failed to reveal or chose to conceal from your provider. Answer by general public — June 26, 2009 @ 3:02 pm No CommentsNo comments yet. Leave a comment |
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Applying for health insurance necessitates that you reveal information about your pre-existing and current health conditions. You should however consider each and every piece of health insurance information very carefully before you disclose any of them in your application.
