do i need a thorough medical check to get health insurance?

Question

what kinds of body check will I get for purchasing insurance? im only 22. do i need to get X-rayed? CAT scan? urine test? thanks

Answer 1

Health insurance--if you have at least one year of health insurance coverage with less than a 63 day break in coverage, you will be covered without pre-existing conditions. This varies state-to-state, but as a regular enrollee, you will have no more than 18 months of pre-existing if you did not have previous coverage. Multiple policies can add up to the time, as long as there are not breaks between (if you have three jobs in 12 months, with insurance at each, and did not go more than 63 days between, you're good). The evidence of insurability requirements will vary, depending on what type of plan it is.

For life insurance, it depends on if it's group or individual. Group plans can require evidence of insurability, which is usually a form, and may require a paramed exam, which is basically weight, b/p, a little blood work.

Answer 2

Don't think you will need, to have a - CAT scan or get Xrayed.

Although if you do ever need to claim on the - Health insurance, they will check doctors records history, and the medical questions on your insurance application form etc.

They usually have many payout conditions, and limits of cover etc. ok

Answer 3

It depends on the company and whether you are getting group coverage or an individual policy. If you are enrolling in a group policy, chances are there will be no health questions or an exam. If you are getting an individual policy, you will more than likely have to answer health related questions, but I don't think you will have to take an exam.

One other thing to note, pre-existing conditions are usually covered under a group policy, but may not be covered under an individual policy.

Answer 4

If you are applying for individual coverage (not through an employer), you may be asked a number of questions regarding your health if the policy is medically underwritten. Based on those answers, the underwriting department may ask for medical records.

If you are applying for coverage through your employer, your health is not an issue and you should not be asked to provide a statement of health or have questions of that nature.

Answer 5

To purchase health insurance, all you need is the $$$ to pay each month. They don't make you have an exam to get it, like life insurance would.

Answer 6

None. They'll check the medical records bureau if you submit claims that could be "pre-existing" to see if you lied on the application. And they might check prior doctor records.

Answer 7

no you don't! I work for an insurance company and never had to request suck a thing from a member!