You May Be Asked To Have A Medical Exam Before Being Covered By Medical Insurance
A medical exam is requested of everyone before medical insurance can be given. The medical exam is required from the medical insurance company. You will have your health examined and reported back to the insurance company. Depending on how well your health is it will lower your policy rates. The insurance company can raise your rates or deny coverage for high risk or dangerous activities you may participate in. Excessive drinking, smoking, extreme sports and even your occupation can be considered high risk or dangerous activity.
The insurance company will receive all the information gathered at your medical exam. Your results will be examined by the medical insurance company to determine your eligibility for coverage. You should know that admitting to excessive drinking will cause you to pay more than a non drinker will pay for the same coverage. A dangerous job can be omitted from the high risk category of your employer covers all injuries on the job through workman?s comp. If you have extreme sports for hobbies you can expect that your rates will be larger and there is always the chance you will be denied medical insurance coverage.
The medical insurance company uses your habits and your hobbies to penalize you may seem unfair. But people expect to be rewarded for their good behavior so why would it be fair to have the rates the same for a dare devil and a minister? The insurance companies gather all your details and analyze them to determine your high risk rating. Things such as smoking and excessive drinking will create more medical problems and extreme sports such as sky diving and rock climbing will have possibilities for more injuries.
Pre existing medical conditions are placed on the report of your medical exam. Depending on the insurance companies policy you may or may not receive coverage for any existing conditions that are found. Some companies will allow coverage if they were not previously diagnosed or treated by any medical physician while others will allow them regardless. You should be sure to ask about this policy before allowing a medical exam to be performed by the medical insurance company. If they choose to deny you coverage on a condition that they were the first to find you may not find another company that will very easily.
It is necessary for the medical insurance company to require a medical exam. They cannot believe that everyone who applies for their coverage is in excellent health and partakes in no dangerous or high risk behaviors. The examination is used to determine the current health as well as any previous or pre-existing conditions the patient may have. This helps the insurance company avoid fraud where people only ask for coverage when they become ill or suffer an injury. This type of behavior can raise the costs of the coverage for everyone. By requiring a medical exam the insurance company can reduce the costs on coverage and also offer better coverage policies. If you do change your behaviors you will be rewarded with lower rates.
Susan Reynolds is the webmaster for a leading South African Insurance provider who specialises in Medical Insurance.