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INTERNATIONAL HEALTH INSURANCE |
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CHOOSING A HEALTH INSURANCE PLAN-- WHAT TO LOOK
FOR
CHOOSING A HEALTH PLAN
AVOID BEING DECLINED FOR HEALTH INSURANCE
CONTROLLING UNBEARABLE INSURANCE RATES
SPLITTING POLICIES--A WAY TO SAVE MONEY
HOW LARGE A DEDUCTIBLE SHOULD I CHOOSE?
HIGH OR LOW DEDUCTIBLES--WHAT'S BEST?
WANT TO SAVE MONEY? CHOOSE A HIGH DEDUCTIBLE
HOW MUCH SHOULD I REVEAL ON MY APPLICATION?
AUTOMATIC CREDIT CARD DEDUCTIONS
THE
LARGE PRINT GIVETH, THE SMALL PRINT TAKETH AWAY
WHEN SHOULD I
SUBMIT MY INSURANCE APPLICATION?
FINALLY! CAREER
HEALTH INSURANCE FOR SINGLE WOMEN
THE WISDOM OF A
HIGH DEDUCTIBLE
OPTIONS FOR
COVERAGE OF PRE-EXISTING CONDITIONS
“STRONG” & “WEAK” CAREER
INTERNATIONAL HEALTH PLANS
MEDICAL
EVACUATION – HOW MUCH COVERAGE DO WE NEED?
LOW
DEDUCTIBLE. HIGH DEDUCTIBLE. WHAT’S BEST?
FOUR
DIFFERENT TYPES OF CAREER HEALTH INSURANCE PLANS
WHAT TO LOOK FOR
WHEN RATES ARE TOO GOOD TO BE TRUE
HEALTH INSURANCE
COVERAGE HERE, THERE, OR HERE & THERE?
TEN REASONS TO
PURCHASE GLOBAL CITIZEN.
WHEN IS A PLAN WITH
A STRICT PRE-EXISTING REQUIREMENT A GOOD IDEA?
HEALTH RATES IF
COVERAGE IN THE USA IS EXCLUDED
HOW MUCH SHOULD I REVEAL ON MY APPLICATION?
As little as possible? Everything? Neither answer is correct. If you don't answer all the questions correctly and fail to give important details concerning the state of your health, the company holds the right to rescind your coverage. I know of a case where an individual failed to reveal a skeletal problem because he did not consider it significant. He was accepted for coverage, and later had an abdominal operation. Before paying the claims for the operation the insurance company discovered the failure to report the skeletal injury. They rescinded his coverage, and would not pay for the stomach surgery.
We have had several cases where the insurance company, after the fact, discovered medical conditions not revealed on the application. They rescinded coverage and returned all premiums. So you need to be forthright about your medical conditions.
But often applications will put a time limit on the questions, e.g., asking you to reveal medical conditions in the last five or ten years. If that is the case, don't reveal what happened 15 years ago. And you do not need to reveal all minute details concerning your condition. If the insurance company feels they need more details, they will contact you for medical records.
Generally, if an applicant errs in this matter, he/she errs in not giving enough information. Remember, it is much better to give too much information. That way you won't be shocked by a letter from the insurance company saying that the claims are not going to be paid and your insurance is rescinded (cancelled by the insurance company) just when you need it!
| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
