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INTERNATIONAL HEALTH INSURANCE |
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INTERNATIONAL HEALTH INSURANCE |
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Back to MAIN INDEX "Tips for Understanding International Insurance" | |
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INSURANCE
FRAUD AND VOLUNTEER WORKERS
THE CURSE OF BEING DECLINED FOR HEALTH INSURANCE
REAPPLYING FOR AN INSURANCE PLAN--WHY SO DIFFICULT?
GENERIC DRUGS--HOW SAFE ARE THEY?
DANGEROUS LIAISONS--MIXING DRUGS
MEDICAL GUIDELINES FOR INTERNATIONAL WORKERS
THE PROBLEM WITH SPAM FILTERS
MEDICAL ADVICE & INSURANCE TIPS FOR OVERSEAS TRAVELERS
WHY
SOME INSURANCE COMPANIES LOSE MONEY
SHORT
HISTORY OF “LLOYD’S OF LONDON”
DENIED INSURANCE?
WHY DOES IT HURT?
SOME AMAZING STATISTICS ON US HEALTH INSURANCE
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.
| Need Help? Call 480/813-9100; Fax 480/813-9930; Email: info@gninsurance.com |
