MISCELLANEOUS ARTICLES ABOUT INSURANCE - DECLINED FOR INSURANCE

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This page contains dozens of short articles that will help you quickly understand international insurance. For example, terminology, purchasing details and managing your insurance coverage are topics that are all covered within these articles. Choose an Article From the Topics Below

THE CURSE OF BEING DECLINED FOR HEALTH INSURANCE

I know the feeling well. I consider myself perfectly healthy. Everyday I get up, feel good, do my laps in the local pool, watch my diet, don't smoke or drink, go about my business, enjoy making a living, and seldom complain about how my body is operating because there is seldom anything to complain about.

But when I applied for insurance the company was not concerned about all the above. They were concerned about those records in my doctor's office. Several years ago I had some annoying pain in my lower back, and the doctor wrote down "degenerative arthritis." Then I had a little skin cancer (basil cell carcinoma) removed several years ago. That went on my records, too, although it is not a problem now.

So what did the insurance company say? Uninsurable! That arthritis is a problem. The word "degenerative" is scary to the company. The result is that I had to find a company that didn't consider the arthritis a problem, and they put a "rider" on the basil cell carcinoma for two years.

What can we learn from this? Get insurance with a good company when you are young and healthy and don't let it lapse. If you want to change companies, don't drop coverage with one until you have it with another. This way you will avoid the curse of being declined.

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"Jeff, I just wanted to say a quick "Thank You" for the newsletter, or "Quarterly E-Bulletin." I don’t know if this is all your work or a team, or you buy content, or just who puts it together; but I’ve gotta say it’s one of the few pieces of its kind that I actually *read* top-to-bottom. [The "Quarterly Bulletin" is written by Jeff, assisted by the GNI staff.]"

(DS, Pennsylvania)

"Nelma, Thank you so much for your immediate help in getting my credit from the insurance company. It’s this kind of service from you and your partners that keeps me coming back to GNI for ALL my international insurance needs. "

(KD, California)

"Trish, Thanks so much for your follow-up on this. We actually got a check in the mail already, covering all the charges minus the $250 deductible. I was surprised and pleased that we got it so quickly! Thank you again for taking care of us. You have been extremely helpful, Trish."

(AR, Indiana)

"Doug, I wish to thank Pei for the first class service I received. I value great customer service having worked for a Japanese airline for 17 years. I believe the service reflects the management."

(TM, New York)

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