It is not unusual that a medical exam is needed before you can start your medical insurance coverage. The reason for the exam will be different between each insurance company. Your health will be evaluated during the medical exam. Your health status can determine the rate of your policy. A good bill of health and not participating in anything the insurance company deems to be dangerous or high risk will fetch you a great rate. Depending on what insurance company you are dealing with the list of dangerous and high risk activities may vary. Smoking, drinking or extreme sports are usually the most common complaints from medical insurance companies. You may find that if you work in a dangerous job your occupation can affect your rates as well.
The thorough medical exam will be sent to the medical insurance company for further evaluation. The results of the exam will help them to determine if you are eligible for coverage and at what rate. Certain things will cause you to pay more on your policy such as smoking or excessive drinking. You can relieve yourself of high rates due to a dangerous job if your employer carries workers comp for injuries at work. If you spend time sky diving or rock climbing you could be denied coverage all together but at the very least you will pay a higher rate for the same coverage as someone who does not participate in those activities.
Even though it seems unfair for the insurance companies to use your habits and hobbies to deem you a high risk, it may seem unfair to someone else who does nothing unhealthy or participates in nothing dangerous and would be given the same rate as you. People expect breaks for their good behavior so you can expect that bad behavior will bring penalties. The insurance companies use your details on the medical exam to determine your risk rating. Smoking can create more medical problems as can excessive drinking so you should expect that extreme sports will cause more possibilities for injury.
Pre existing medical conditions are placed on the report of your medical exam. Depending on the insurance companies policy you may or may not receive coverage for any existing conditions that are found. Some companies will allow coverage if they were not previously diagnosed or treated by any medical physician while others will allow them regardless. You should be sure to ask about this policy before allowing a medical exam to be performed by the medical insurance company. If they choose to deny you coverage on a condition that they were the first to find you may not find another company that will very easily.
Medical exams for the medical insurance industry are extremely necessary. It would be irrational for the insurance companies to believe that everyone who applied for the policies were in great health with no dangerous or high risk behaviors. The medical exam helps to determine the high risk individuals from the lower risk ones. The exam is also in place to protect the insurance company from fraud. There are those who would only obtain the insurance policy once they knew they were ill or sustained an injury. With this protection it in turn saves the insurance company money which will lead to better coverage as well as better rates for you. You are rewarded for good behavior and not only penalized for the bad. If you stop smoking or are no longer drinking excessively the insurance policy can be re-evaluated and your rates lowered.
The thorough medical exam will be sent to the medical insurance company for further evaluation. The results of the exam will help them to determine if you are eligible for coverage and at what rate. Certain things will cause you to pay more on your policy such as smoking or excessive drinking. You can relieve yourself of high rates due to a dangerous job if your employer carries workers comp for injuries at work. If you spend time sky diving or rock climbing you could be denied coverage all together but at the very least you will pay a higher rate for the same coverage as someone who does not participate in those activities.
Even though it seems unfair for the insurance companies to use your habits and hobbies to deem you a high risk, it may seem unfair to someone else who does nothing unhealthy or participates in nothing dangerous and would be given the same rate as you. People expect breaks for their good behavior so you can expect that bad behavior will bring penalties. The insurance companies use your details on the medical exam to determine your risk rating. Smoking can create more medical problems as can excessive drinking so you should expect that extreme sports will cause more possibilities for injury.
Pre existing medical conditions are placed on the report of your medical exam. Depending on the insurance companies policy you may or may not receive coverage for any existing conditions that are found. Some companies will allow coverage if they were not previously diagnosed or treated by any medical physician while others will allow them regardless. You should be sure to ask about this policy before allowing a medical exam to be performed by the medical insurance company. If they choose to deny you coverage on a condition that they were the first to find you may not find another company that will very easily.
Medical exams for the medical insurance industry are extremely necessary. It would be irrational for the insurance companies to believe that everyone who applied for the policies were in great health with no dangerous or high risk behaviors. The medical exam helps to determine the high risk individuals from the lower risk ones. The exam is also in place to protect the insurance company from fraud. There are those who would only obtain the insurance policy once they knew they were ill or sustained an injury. With this protection it in turn saves the insurance company money which will lead to better coverage as well as better rates for you. You are rewarded for good behavior and not only penalized for the bad. If you stop smoking or are no longer drinking excessively the insurance policy can be re-evaluated and your rates lowered.
About the Author:
Susan Reynolds is the webmaster for a leading South African Insurance Portal that provides consumers with the best Medical Insurance Options.
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