Pre-Existing Medical ailments – So why Insurance vendors Ask about Him or her.


When you request an insurance quote, you’re invariably asked if you’ve any pre-existing medical conditions. The reason why that insurance companies ask this question is because, without knowing what kind of health you’re in, they can’t possibly estimate just how much coverage you’ll need. For insurance companies to survive, they need to ensure that you put aside adequate funding to fund the medical care that every individual needs as accurately as possible. This is exactly why it’s so important for you yourself to be as accurate that you can when informing a possible medical health insurance provider of any medical conditions that you’ve been already identified as having before purchasing a plan.

While it may be tempting to believe the insurance companies only wish to know about your pre-existing medical conditions in order to have an excuse to overcharge you for coverage, the truth is that knowing your actual medical condition is essential to their being able to estimate just how much it’s planning to cost them to give you medical coverage. When they give you too much coverage, then you’ll lose money by paying too much for more insurance than you need promethazine codeine syrup for sale. But if they don’t give you enough coverage, then they’ll lose money paying out on more medical care than they anticipated. When they do this for enough patients, they may potentially be bankrupted.

When providing details about pre-existing medical conditions to a possible insurance provider, it’s important to be as accurate that you can when answering their questions. Let them discover how much medication or exactly how many doctor’s visits your condition currently requires every year. Let them discover how long ago you’re diagnosed. Let them know very well what the physician had to say about your condition on your own last visit. The more accurate the info you provide, the more accurate your estimate will be.

And, above all, never make an effort to conceal pre-existing medical conditions from a possible insurance provider in a misguided attempt to save money on medical insurance. If it’s learned that you deliberately misrepresented the state of your quality of life to the insurance company, then you might be found guilty of insurance fraud, which could cause hefty fines and possibly even jail time. It’s not worth the risk just to save several dollars, and insurance companies are very vigilant about researching possible fraud. Once you’re prepared to honestly share all of the details about your medical history and current condition, find a respected insurance company and request a quote.

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