123ArticleOnline Logo
Welcome to 123ArticleOnline.com!
ALL >> Insurance >> View Article

Health Insurance Underwriting Overview

Profile Picture
By Author: Norris Rios
Total Articles: 572
Comment this article
Facebook ShareTwitter ShareGoogle+ ShareTwitter Share

There are many different aspects of your health and habits that are taken into consideration when you have a health insurance policy underwritten. These factors work together to create the general risk that you life presents to the insurance company. It is not until all these factors are considered that your insurer can determine whether or not to issue your policy and what premiums to charge. Here are some of the main factors that health insurance underwriters consider when reviewing your health insurance application for approval.

Your medications: The medications you take give a tremendous insight not only on the prior events of your health history, but also on what your doctor thinks might be in the future. For instance, you might not have had a heart attack yet but if your doctor has you on a cholesterol medication, then it is likely that he or she thinks you may be at risk for one in the future. That indicates to a health insurance underwriter that you could be a risky bet.

Your actual health history: The events that comprise your health history give an insight not only into what your health future might hold ...
... but also in how you treat and respect yourself. For instance, Type 2 diabetes is often caused by obesity and poor eating choices. If you have Type 2 diabetes then it is unlikely that you eat well or exercise, which puts you at risk for a whole host of additional health problems.

Your family history: DNA ruins a lot of things health wise. If heart disease runs in your family then you are much more likely to suffer from it eventually. The same can be said for cancer, obesity, diabetes and certain mental illnesses. Knowing that someone in your family has suffered with these issues could change how a health insurance underwriter views your application for coverage-even if you are in perfect health.

Your weight and height: Your weight and height indicate how well-proportioned you are. Someone who weighs 300 pounds and is 5′3″ is much more likely to be considered obese than someone who is 6′5″ and weighs the same.

Smoking status: If you are a smoker-even an occasional lighter upper-then you are putting your body at risk for cancer, lung disease, emphysema and more. This will not be looked upon favorably by the underwriters reviewing your health insurance application.

Total Views: 276Word Count: 392See All articles From Author

Add Comment

Insurance Articles

1. What Happens If Your Clarinet Is Lost Or Damaged By An Airline?
Author: musicinstrumentsins

2. Classic Car Auto Insurance In California: Protect Your Vintage Ride
Author: Namaste Insurance Agency

3. How To Choose The Best Insurance Plan For Your Musical Instrument Repair Business?
Author: victor12johnson

4. How Cloud-based Invoicing Services Streamline Financial Management
Author: SourceThrive

5. What Happens When You Don’t Insure Your Audio Gear?
Author: micheljordan4

6. The Hidden Risks Of Not Insuring Your Musical Instrument
Author: musicinstrumentsins

7. Finding The Right Financial Advisory Partner In India
Author: Drishti Desai

8. How Climate And Weather Conditions Can Affect Your Brass Instrument?
Author: victor12johnson

9. Understanding Insurance Endorsement: Types And Key Benefits
Author: Stellanova GlobalTech

10. The Impact Of Violin Music On Brain Development And Emotional Health
Author: micheljordan4

11. Playing Gigs Or Teaching? Why Professional Flutists Need Extra Coverage
Author: musicinstrumentsins

12. How To Obtain And Interpret Your Insurance Loss Run Report
Author: SourceThrive

13. Handling Out-of-network Billing In Ascs: Best Practices
Author: Charlie Robinson

14. The Importance Of Business Interruption Insurance For Music Dealers
Author: victor12johnson

15. Rhc Billing Tactics For Medicare As A Safety-net Provider - 24/7 Medical Billing Services
Author: Charlie Robinson

Login To Account
Login Email:
Password:
Forgot Password?
New User?
Sign Up Newsletter
Email Address: