You May Be Asked To Have A Medical Exam Before Being Covered By Medical Insurance
A medical exam may be requested before you are able to receive medical insurance. There are many reasons for the requirement of a medical exam. Your health will be evaluated and used to price your coverage. If your health is good and you are not involved in anything the insurance company finds dangerous or high risk your rates will be as low as possible. Insurance companies vary in what they determine to be high risk or dangerous but most agree that smoking, drinking, or participating in extreme sports are considered high risk. You can even be penalized for your occupation if the insurance company finds it dangerous.
Medical exams are given to anyone seeking medical insurance coverage. The information gathered at the medical exam will be returned to the insurance company. It will then be scrutinized for any details that they may consider high risk or dangerous. Habits such as smoking and drinking can fetch you a higher rate for coverage. Hobbies such as rock climbing, parasailing, or dirt biking may get you denied for coverage or if they accept you can expect to pay a much higher rate.
It may seem unfair to you to pay extra due to your hobbies and habits. But it is unfair for someone who does not participate in them to pay the same as you too. The insurance companies use a great deal of details to make the medical insurance coverage fair for the individuals as well as for them. You have to expect that you are more susceptible to injury of you partake in extreme sports. You are more likely to suffer from lung cancer if you smoke and your liver is more likely to be damaged if you are an excessive drinker.
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.
The medical exam is necessary for determining coverage eligibility. It is used to ensure that the patient does not have a pre-existing condition or injury. The many people who request insurance only after they are injured or become ill can raise the rates of everyone?s policy. The medical exam is a way for the medical insurance company to decrease fraud and in turn this lowers the rates to your policy as well as allows them to offer better medical coverage. You can lower your rates by changing any of the extreme hobbies or bad habits you may have. You are rewarded for good behavior so if you stop smoking you can receive better rates than when you did.