Holiday Insurance

How to Avoid Being Declined For Health Insurance

You are filling out a health insurance application and you come to the question, "Have you ever been declined health insurance?"

You really don't want to have to answer YES to that question. So here is a suggestion for how to avoid that "yes" answer.

The best way to avoid a declination is to "Pre-qualify." It is that simple. And here is the way to do just that.

Ask your insurance broker or agent if they can provide you with a Pre-Qualifying Medical Questionnaire. My company uses them to travel insurance advantage. We ask our clients to fill out a copy - usually electronic because so many people do their insurance shopping online.

Below are some of the questions we ask.

Surgeries performed in the past ten years
Current health problems, such as diabetes, cholesterol, blood pressure
Medications taken in the last 12 months
Smoking and drinking habits

We then run your answers by the travel insurance insurance companies to see how they will handle your application. If one company says that you might or would probably be declined if you applied, you can avoid applying for insurance with that company and thus avoid being declined.

Another good reason to fill out a "Pre-qualifying Medical Questionnaire" is that it aids your insurance broker or agent in giving you appropriate advice about what plans will give you the best coverage. Most insurance brokers will have this kind of questionnaire on hand.

Of course, you never have to pre-qualify for short-term plans. They are "guarantee issue" plans that ask no medical questions. You are automatically covered once you submit your application to the insurance company.

Jeff Gulleson is the President of Good Neighbor Insurance that represents 10 international health insurance companies and provides international health and travel insurance for every country in the world. Email us or get an international health insurance quote.

Source: How to Avoid Being Declined For Health Insurance

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