Individual health insurance / individual insurance is purchased separately, not supplied by your employer. If you have filed an application for individual health insurance and rejected, the information below can help you find out why you have rejected and whether the refusal was reasonable.
When you sign up for individual health insurance, insurance companies use a process called underwriting to determine age, sex, and your medical history. That information is used to decide whether to accept your application and how much premium to be charged. If you have a chronic illness such as diabetes, heart disease or other health condition, you will find it hard to buy individual health insurance. Several other medical conditions may cause you to be accepted, but by excluding treatments related to the medical condition of the scope of coverage. This exception, the so-called pre-existing condition, may apply up to one year. Afterward, the policy will apply as generally to other insured.
Each insurance company has its own underwriting guidelines that are not released to the public. In these guidelines, they usually have provisions on:
Height and weight standards. Being overweight is not reached obesity usually leads to an extra premium charged the insured. Some insurance companies use a measurement called the Body Mass Index (BMI) to decide. If a BMI above 39, the insurance company will usually reject the application. If your BMI is 30-39, the insurance company can offer insurance with higher premiums. If you have health problems because of your weight, such as diabetes or heart disease, the insurer may refuse to cover you, even if your BMI is below 30.
Health conditions that automatically cause rejection, for example: health problems that have not been examined by a doctor, can not be explained, is still in treatment, certain diseases such as AIDS, severe mental disorders, heart disease, kidney failure, diabetes with complications, cirrhosis, etc.
Health condition or lifestyle / job that can lead to denied insurance, be limited in scope, or subject to an additional premium, for example: health problems of the past who have been cured or no longer cause symptoms (eg stroke after 10 years does not cause recurrence), allergies, infections ear in a controlled, muscle injury, migraine, depression, work as a diver / parachutists, etc..
