What Does It Take To Qualify For A Health Insurance?
You can save a lot of money with health insurance policies. You will not need to pay those expensive hospital and medical bills. All such expenses will be handled by your policy. It is important to get approved for the policy before you can hope to take all these advantages. If you are in good health, you can very easily get enrolled for a health insurance policy. On the other hand, if you are not keeping well with your health, you would find it difficult to avail this facility.
Younger and healthy crop pf people find it very easy to qualify for an insurance policy. Accordingly, older and ailing people will have to work hard to find a policy for themselves. Furthermore, a full coverage of insurance is also not provided to the older people.
Your job is another aspect that gets evaluated for the approval. A school teacher has better chances to get his policy approved as against a cab driver. The school teacher puts lesser stress on himself and lives a healthier and fitter life in comparison to the cab driver, who is over stressed with his job. Insurance companies take all such details into consideration, and approve the policy that they can earn profits from, than a policy that will lead to loses. If you are into smoking or drinking, you have lesser chances of approval. People who suffer from AIDS, Cancer etc have nearly no chances of approval.
Your area of living is also a matter of concern to the insurance companies. They prefer you to live in areas that are free of pollution. Pollution can get you ill and eventually get the companies to pay for the treatment. Therefore if you live in areas that have any smoke industries around, you could be denied of the policy. However, if you live in a healthy surrounding, you would earn good points to get the approval.
Your age also determines the approval or denial of your policy. If you are young, you have every chance of having your policy approved. However, if you are ageing, you are more prone to diseases and would therefore not be a good business prospect for the insurance companies.
Your gender may also be considered by a few companies. Women are believed to live fitter and healthier than men. This leads to women living longer than men.
Marital status is another point that is considered by some companies. Married men are believed to live a healthier life than any married women. Such facts are given importance by the insurance companies, and help them decide accordingly about the approval or denial of a health insurance policy application.
The mentioned points are known as risk factors. You need to make sure that you score low at these risk factors, to get an approval. A high score would indicate that you are not the right candidate for approval. - 23211
Younger and healthy crop pf people find it very easy to qualify for an insurance policy. Accordingly, older and ailing people will have to work hard to find a policy for themselves. Furthermore, a full coverage of insurance is also not provided to the older people.
Your job is another aspect that gets evaluated for the approval. A school teacher has better chances to get his policy approved as against a cab driver. The school teacher puts lesser stress on himself and lives a healthier and fitter life in comparison to the cab driver, who is over stressed with his job. Insurance companies take all such details into consideration, and approve the policy that they can earn profits from, than a policy that will lead to loses. If you are into smoking or drinking, you have lesser chances of approval. People who suffer from AIDS, Cancer etc have nearly no chances of approval.
Your area of living is also a matter of concern to the insurance companies. They prefer you to live in areas that are free of pollution. Pollution can get you ill and eventually get the companies to pay for the treatment. Therefore if you live in areas that have any smoke industries around, you could be denied of the policy. However, if you live in a healthy surrounding, you would earn good points to get the approval.
Your age also determines the approval or denial of your policy. If you are young, you have every chance of having your policy approved. However, if you are ageing, you are more prone to diseases and would therefore not be a good business prospect for the insurance companies.
Your gender may also be considered by a few companies. Women are believed to live fitter and healthier than men. This leads to women living longer than men.
Marital status is another point that is considered by some companies. Married men are believed to live a healthier life than any married women. Such facts are given importance by the insurance companies, and help them decide accordingly about the approval or denial of a health insurance policy application.
The mentioned points are known as risk factors. You need to make sure that you score low at these risk factors, to get an approval. A high score would indicate that you are not the right candidate for approval. - 23211
About the Author:
Susan Reynolds is a content coordinator for a leading South African Insurance Provider that specialises in Health Insurance Policies.
posted by X - Men @ 2:29 AM
0 Comments
0 Comments:
Post a Comment
Subscribe to Post Comments [Atom]
<< Home