Underwriting insurance for pre paid health care Forms for Cuyahoga
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FAQ
Underwriting or medical underwriting is process that insurance companies routinely used prior to 2014 particularly in the individual insurance market to determine if an applicant was an acceptable risk, and if so, how much to charge in premiums based on the applicant's medical history.
Yes. Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a pre-existing condition that is, a health problem you had before the date that new health coverage starts.
Depending on your previous medical scheme history, a scheme can apply 'underwriting' on a new membership. This means that, according to regulation (Medical Schemes Act), schemes are allowed to impose a three-month general waiting period and/or a twelve-month waiting period on an existing condition.
Underwriting or medical underwriting is process that insurance companies routinely used prior to 2014 particularly in the individual insurance market to determine if an applicant was an acceptable risk, and if so, how much to charge in premiums based on the applicant's medical history.
A process used by insurance companies to try to figure out your health status when you're applying for health insurance coverage to determine whether to offer you coverage, at what price, and with what exclusions or limits.
Underwriters look at your medical history, your height/weight ratio, your family's medical history and your driving history. Basically, they will consider anything that might impact how long you are likely to live.