When u buy insurance do they pinch HIV try-out?
when u buy health insurance , from an agent do they hav the right to do an HIV tryout tanx 4 ur ansAnswers: They cannot collect information on you (including HIV) unless you give them approval. The HIV consent is usually in the medical authorization, if you signed one. Sometimes it is a separate form. Ask the agent and read what you sign and you'll know.
If you do not dispense them permission to collect the information, they do not enjoy an obligation to submit you coverage without that information and will almost other turn you down. If you recently have an exam for life insurance and want to know your results, you can usually contact the company and ask for a copy of your lab results.
the right? yes
do they do so?
usually not.
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at hand is a clause in the contract which requires you to disclose ALL existing medical conditions, plus every doctor you've see for the past N years, and afterwards the underwriter at the company will write an exclusion for each of them for at most minuscule the next three years. Such exclusions do not expire automatically, but one and only if you've had NO (zip, nil, none at all) medical expenses related to that condition for the whole time you've be a customer.
if you lie around it and they figure it out, they'll not singular deny coverage, but they'll sue you for any amounts they've paid out surrounded by excess of the premiums received, AND refer you to the local DA for insurance fraud.
figuring out HIV/AIDS isn't terribly difficult -- the computers already know what the usual treatments are and have be programmed to refer any such bills for manual inspection. Then the company's medical reviewer faxes a copy of your signed medical chronicles release form (required to even get insurance) to the doctors involved and call them about your medical history.
if the doctor tell them you've apparently had HIV for years and you've merely been a customer for months -- reject!.
the medical archives person also asks your present doctors give or take a few any past doctors they know you've see and then checks both next to them and your disclosure of past medical history for omission.
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of course, the DA is no dummy any. He knows that someone near HIV is a big drain on the prison system and may well discard to prosecute, or decide to lone ask the Judge for a whopping fine but no jail.
Most strength insurance companies would require an HIV/AIDS blood test previously providing health insurance protection.
However, the condition insurance application asks if you have HIV / AIDS. If you fake on the health insurance application, they probably will deny coverage.
Also, time insurance applications ask if you have HIV / AIDS. If you slouch, they can contest the payout if you die within two years of the policy anyone issued.
Many people don't realize in that are life insurance companies that specialize within finding life insurance for high-risk family with HIV/AIDS.
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I hope that helps! Best of luck to you.
Has a cancer sufferer had their mortgage paid off with critical illness cover, and then lived?
Answers: Cancer insurance does not require that the policy owner dies in order to receive benefits. So, unlike life insurance, the policy owner can live and receive the benefits.
That being said there is no way that the cancer sufferer had a mortgage paid off unless the mortgage was $10,000. or less.
Many cancer insurance policies have fixed dollar limits. For example, a policy might pay only up to $1,500 for surgery costs or $1,000 for radiation therapy, or it may have fixed payments such as $50 or $100 for each day in the hospital. Others limit total benefits to a fixed amount such as $5,000 or $10,000.
Many policies contain time limits. Some policies require waiting periods of 30 days or even several months before you are covered. Others stop paying benefits after a fixed period of two or three years.
I have never seen a critica illness coverage that would PAY OFF a mortgage for an ILLNESS...usually they will make the payments for up to two years, but that is when it gets cut off.
You can always take out life insurance (which has to be done while you are healthy), to cover your expenses in the event of your death.
Does insurance company will cover my stuff?
i ll just speak that i ll be like mentally under the weather they ll call a doctor for me so they get to pay fo my surgery ?Answers: If you're referring to your previous sound out about rhinoplasty, after no...it will not be covered by health insurance.
Reconstructive surgery, I don`t know. But not cosmetic surgery.
It is not medically necessary. And they really won`t consideration if not have a nose assignment will make you crazy. They will of late quote your mental health benefits if you own them.