Typically, there is a pre-screening.

the questionnaire that will be completed and this questionnaire contains a list of unnatural medical conditions. The use of pre-screening questionnaires helps eliminate applications that are sure to be rejected.truthfrequencynews.com
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An application for critical illness insurance is similar to an application for life insurance, although the applicant has more questions about the family’s medical history.

 

In situations where the applicant fails to meet all underwriting guidelines, the company may offer a non-standard rate to the insured. In these cases the insurer may:

1. Add surcharges to regular rates to reflect the increased risk for that applicant.

2. Issue a policy that has specific exclusions, such as pre-condition exclusions, certain diseases or conditions that can be excluded.

3. Basic plan coverage to applicant only

When a critical illness policy is written, the insurer will review the following areas:

1. Family History

Hereditary factors have a strong effect on the applicant suffering from certain diseases as a result of the applicant being disqualified if one or more family members have been diagnosed or have died from a covered illness.

2. Personal Health

a) Previous examples of hypertension will be reviewed closely as there is a close relationship between hypertension and the sufferer of a critical illness.
B) height and weight

Underwriters have established guidelines as to which height and weight combination is acceptable to issue critical illness insurance policies.

C) Doctor’s statement

D) Other reports, such as medical examination, blood tests, urine test, etc.
) Occupation, development and driving habit, as these may impact on the incidence of serious illness.

Ex: A professional driver may have accidental inequality or paralysis compared to a person who rarely drives.

3. Financial Information

The amount of coverage available under critical illness insurance can be one million dollars or more. Therefore, the insurer should determine which amount of coverage is appropriate. Many insurers will usually allow coverage up to 5-7 times the salary of the applicant.

  • I hope this information helps. If you need more information on the above topic, please visit my home page: