Applying For Individual Health Insurance - The Application
When you apply for an individual insurance policy, the insurer relies on your answers as being correct. Insurers do not generally check the truth of statements when a policy is issued, beyond possibly checking to see what information is on file at the Medical Insurance Bureau (MIB).
On the other hand, when a claim is filed, an insurer has a right to investigate whether the answers in the applicatoin were correct. If not, the insurer can either cancel (rescind) the coverage or deny a claim on the basis that it relates to a pre-existing condition.
To avoid unnecessary problems, particularly at a time when you are not feeling well and in need of medical care:
- Be truthful.
- If you don't understand a particular question on a health insurance application, ask the insurance broker or company representative with whom you're working.
- Document your answers to the extent you can. Keep a copy of the documents in the file with your health insurance application and policy (or make a note in the file where the documentation can be found.)
- Consider setting an appointment with the doctor who has your medical records. He or she may be requested to send information to the insurer either with the application, or at the time of a claim.
- Show the doctor the questions about your past and current medical condition.
- Review your history and record with him or her so the two of you are in sync about how the questions should be answered.
- Give the doctor a copy of the completed application for his or her files.
For information about obtaining health insurance, click here.
For information about the various types of health insurance, click here.