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KPtoys
I'm getting old
Member since 5/05 8688 total posts
Name:
Karen
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When applying for Life Insurance
Does the insurance company have the right to go through your medical records? I know they have the names of the docs but do they have the right to go through the docs notes?
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Posted 1/2/07 12:09 PM  |
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CookiePuss
Cake from Outer Space!
Member since 5/05 14021 total posts
Name:
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Re: When applying for Life Insurance
Yes, they do. That is part of what you consent to when you sign the application. It is a separate section but they have the right to request and do request, doctor's notes.
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| Posted 1/2/07 12:13 PM |
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KPtoys
I'm getting old
Member since 5/05 8688 total posts
Name:
Karen
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Re: When applying for Life Insurance
ok thanks That is what I thought I just wanted to be sure
Message edited 1/2/2007 12:15:12 PM.
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| Posted 1/2/07 12:14 PM |
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Emily
Kasey & Me! Lurves it!
Member since 7/06 8703 total posts
Name:
STBHC
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Re: When applying for Life Insurance
Of course they do, they are seeing if you are worthy of their insurance. They will most likely not insure you if you have an existing condition.
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| Posted 1/2/07 12:17 PM |
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KPtoys
I'm getting old
Member since 5/05 8688 total posts
Name:
Karen
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Re: When applying for Life Insurance
Do they thumb through all your info or do they do their own physical part and if that comes back good do they just ask your doc if you are healthy? Does someone physically go to the office and look you up?
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| Posted 1/2/07 12:20 PM |
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Joooood
LIF Infant
Member since 9/06 324 total posts
Name:
Judy
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Re: When applying for Life Insurance
They usually send a letter to the ofc asking for specific dates/info. and it gets faxed/sent to the ins guy.
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| Posted 1/2/07 12:21 PM |
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KPtoys
I'm getting old
Member since 5/05 8688 total posts
Name:
Karen
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Re: When applying for Life Insurance
Posted by Joooood
They usually send a letter to the ofc asking for specific dates/info. and it gets faxed/sent to the ins guy.
What kind of info like last appointment and why that kind of thing?
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| Posted 1/2/07 12:23 PM |
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LittleBlueBug
Happy Mommy
Member since 9/06 4074 total posts
Name:
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Re: When applying for Life Insurance
Posted by Emily
Of course they do, they are seeing if you are worthy of their insurance. They will most likely not insure you if you have an existing condition.
They do have the right to go through your medical records to see how your overall health is and what kind of "risk" you are. However, saying that they will most likely not insure you if you have an existing conditio is not entirely true. It depends on the condition and how they feel, along w/ other factors, it affects your overall health. Certain conditions, if bad, may cause one to get denied, but most of the time will cause one to get "rated"...pay a higher premium. It also depends on how strict the company is. Some companies are very strict (I work for one of them), but some are not. Each use their own standards.
ETA: They usually get an attending physician statement (if needed) which will provide the underwriters with info about any conditions you may have had, any tests recommended by the doctor (within a certain amount of time), etc.
Message edited 1/2/2007 1:00:10 PM.
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| Posted 1/2/07 12:35 PM |
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Emily
Kasey & Me! Lurves it!
Member since 7/06 8703 total posts
Name:
STBHC
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Re: When applying for Life Insurance
Posted by LittleBlueBug
Posted by Emily
Of course they do, they are seeing if you are worthy of their insurance. They will most likely not insure you if you have an existing condition.
They do have the right to go through your medical records to see how your overall health is and what kind of "risk" you are. However, saying that they will most likely not insure you if you have an existing conditio is not entirely true. It depends on the condition and how they feel, along w/ other factors, it affects your overall health. Certain conditions, if bad, may cause one to get denied, but most of the time will cause one to get "rated"...pay a higher premium. It also depends on how strict the company is. Some companies are very strict (I work for one of them), but some are not. Each use their own standards.
ETA: They usually get an attending physician statement which will provide the underwriters with info about any conditions you may have had, any tests recommended by the doctor (within a certain amount of time), etc.
That is what I meant
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| Posted 1/2/07 12:40 PM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: When applying for Life Insurance
They will also send a nurse to your house to draw your blood. This is how we found out my DH had high liver enzymes. They still insured him but at a higher rate
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| Posted 1/2/07 12:48 PM |
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KPtoys
I'm getting old
Member since 5/05 8688 total posts
Name:
Karen
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Re: When applying for Life Insurance
Posted by melijane
They will also send a nurse to your house to draw your blood. This is how we found out my DH had high liver enzymes. They still insured him but at a higher rate
We've already had the physicals. I have high cholesterol (pregnancy induced) but there is nothing like a free physical in the comfort of your own home
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| Posted 1/2/07 12:51 PM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: When applying for Life Insurance
They get their info from the MIB..medical information bureau..if there is a condition that may rate your policy they will go to get doctor records.
Usually blood and urine is taken along with BP.
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| Posted 1/2/07 12:55 PM |
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KPtoys
I'm getting old
Member since 5/05 8688 total posts
Name:
Karen
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Re: When applying for Life Insurance
Posted by Blu-ize
They get their info from the MIB..medical information bureau..if there is a condition that may rate your policy they will go to get doctor records.
Usually blood and urine is taken along with BP.
I didnt know you could request your information that the MIB sees, that's kinda cool.
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| Posted 1/2/07 1:05 PM |
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