I have been having a hard time getting health insurance in Canada because I have been a carrier of Hep C for 21 years. Even though I have no symptoms and have liver function tests every year that are consistently normal, the companies won't touch me! I am about to have our first baby and would really like coverage for prescription drugs, dental and vision - that's all I need. If I don't put down that I have Hep C, what are the repercussions if I get caught? Will they know anyway? And if anyone knows a company that WILL cover me, with or without a waiver for Hep C related conditions, I will be forever grateful. Thanks all.
2006-07-17 18:31:53 · 8 answers · asked by Samlet 4 in Business & Finance ➔ Insurance
They check your records they would find out anyway. Check with an agent and ask about a possible exclusion for the Hep C and any conditions resulting from it?
2006-07-18 01:30:49 · answer #1 · answered by Badkitty 7 · 0⤊ 0⤋
I'm not sure about Canada and their laws, but in America it's like Hurricane was saying. There are policies that will cover you for whatever condition EXCEPT the one that was pre-existing. That is what we call a pre-existing clause and the insurance company will ask for chart notes going back like 6 months when they receive any claim with a chronic diagnosis. Just because they dont cover the pre-existing conditions doesnt mean they wont cover everything else. Also, pre-existing waiting periods are generally about 9 months or less, so at the end of that time even the pre-existing conditions are covered, but it all depends on the policy and the insurance company I suppose. Check around. Great question!
2006-07-18 19:09:08 · answer #2 · answered by Marc 2 · 0⤊ 0⤋
Celeste offered good advice. To expand on her note: Some insurance companies will issue a policy that "excludes" some conditions. What that means in your case if they issue a policy that "excludes hep. C" is that you would be covered for everything else - just not hep. C. So, if you fall off your bike and break your arm, COVERED. If you contract the flu, COVERED. If you have a liver problem, NOT COVERED. An agent can certainly search for you and try to find such a plan in Canada.
Best wishes.
2006-07-18 07:42:20 · answer #3 · answered by Anonymous · 0⤊ 0⤋
I am sorry, but under no reasons is it legal to exclude any relevant information on a health insurance form. To do so would constitute fraud. You would most likely be caught, and when you are, your insurance would deny you coverage AND file suit against you (resulting in a heft fine and likely prison time).
This is a good degree worse than not having insurance to begin with, I would think. Seek other options if you can.
Note: Despite the legality of it, the ethics of the situation might be a good degree different. But that belongs in another thread.
Tiger Striped Dog MD
2006-07-17 18:36:45 · answer #4 · answered by tigerstripeddogmd 2 · 0⤊ 0⤋
don't omit anything!! You should have no problem getting covered under a group policy. Most of the time, no health questions are asked if you have the right group health providers. Just find a job that offers health insurance.
2006-07-18 08:52:22 · answer #5 · answered by Ricky P 2 · 0⤊ 0⤋
Omission amounts to concealment and it might be a ground for the disapproval of your claim for insurance benefits. Thus, even if you can get an insurance contract but could not claim, you should not omit so that you not pay premiums.
2006-07-17 22:03:55 · answer #6 · answered by FRAGINAL, JTM 7 · 0⤊ 0⤋
lieing is bad, there could be some serious fines, maybe even jail time tell the truth
2006-07-17 18:37:39 · answer #7 · answered by Anonymous · 0⤊ 0⤋
there's a medical database - they'll find out anyway. Don't lie.
2006-07-17 18:35:07 · answer #8 · answered by Anonymous · 0⤊ 0⤋