I have preemie twins they are 4 now and very healthy children. A Health insurance company denied them b/c it stated on their records that they could have CP due to being premature. Neither one of them have CP but they were still denied b/c of this can they deny a child insurance due to a medical condition they don't even have???
2007-11-15 11:59:21 · 3 answers · asked by shannon C 2 in Business & Finance ➔ Insurance
Yes, if you are applying for individual health insurance, the insurer can deny you based on your predicted risk. In this case, they are determining that there's too much risk involved for them to want to insure your children who were born prematurely.
(How premature were they? I'm guessing they must have been significantly premature, if the insurer is outright denying them at all.)
The insurer doesn't have to sell you a policy though. You may want to check with other insurers - each one uses their own underwriting methods, and its possible you could find one to accept your kids. (Though you'll probably still have to pay a higher premium than the "average" applicant.)
2007-11-15 14:32:21 · answer #1 · answered by sarah314 6 · 0⤊ 0⤋
If you're looking at individual health insurance policies, they can deny you for ANY REASON. They don't even have to tell you why.
You can talk to the agent that got you the quote, ask them to talk to the underwriter, and see if they would review the file and accept a statement from their pediatrician that they are CP free.
2007-11-15 21:27:01 · answer #2 · answered by Anonymous 7 · 0⤊ 0⤋
A health insurer can deny anyone coverage for any reason it wants to. Insurance is a risk business. The insurer is limiting its risks by denying coverage for two kids over whom they have concerns.
2007-11-15 21:17:54 · answer #3 · answered by acermill 7 · 0⤊ 0⤋