What is a health questionnaire?
What is a health questionnaire?
As a part of most health insurance applications there is a series of questions you must answer pertaining to your medical history. Even applications for health plans that are not medically underwritten may ask health questions in order to analyze pre-existing medical conditions for exclusion periods or rate adjustments. An employer application for group health insurance may also ask health questions pertaining to the overall health of the employees to be enrolled under the group health plan. For small group health insurance, this information may only be used to determine premiums based on a rate adjustment factor. Individual health insurance applications are usually more detailed about the information they require on the application. This is because, in most states, the insurance company will use this information to determine if you are a reasonable risk. If, based on your answers, the insurance company decides that insuring you will result in excessive claims payments, your application may be denied. When applying for more than just one person in the family, the health questions will apply to all persons wishing to be covered under the health plan. The amount of health information you must provide on the application will depend on the type of coverage you are applying for and the underwriting policies of the insurance company with whom you are applying.
Sometimes these health questionnaire make me feel really frustrated and lie on the questionnaires. I have always been honest with these things but sometimes I feel like it’s just not worth it, the way some of these guys operate. I used to have United Health Insurance and they were great and easy to deal with, but then when I got laid of from that job I have been applying for have all been really difficult. I have filled out the health questionnaires honestly. I have never had any serious illness or major surgeries. I do have some allergies. How can they deny me coverage? I don’t understand, do they only want to take on people who have never sneezed in their lives. Is it better to not be so honest about colds and allergies and stuff like that? I get really frustrated with being denied for no reason.
Comment by Krystle — June 15, 2009 @ 10:41 am