The diseases which already existed at the time of taking the health insurance policy are attributed as preexisting condition. The Health Insurance Co. is at liberty to cancel your claim forthwith if it is proved that you contacted any such disease after taking the policy.
No. First your girlfriend cannot be an insured on your medical insurance because she has no legal rights as she is not a family member. Read your policy and you will see who is allowed to be an insured on your policy. Secondly, even if she was your legal spouse the pregnancy is a preexisting condition and would not be covered anyway.
Only if the pregnancy began before the insurance policy.
If you put medical insurance on the policy when the policy was purchased.
Tests, of any kind, are not included in the definition of preexisting condition. You have to be given a definitive diagnosis from that testing in order to have a preexisting condition. If by having a heart cath test, it was determined that you did not need to have one placed, then you do not have a preexisting condition. For example, you may have an MRI/CAT Scan and then a PET Scan to determine if you have cancer, but if they find you do not have cancer, then you are not diagnosed with a condition, therefore cannot considered preexisting. I should add that, generally if a Dr. wants to evaluate for a heart cath, then you currently have or have had issues with your heart in the past. This may be something like a high percentage blockage, irregular heart beat, thickening of the lining around your heart, etc. This would be considered a preexisting condition and future insurance companies may determine that any intervention needed on your heart would be preexisting. However, insurance companies usually have a preexisting time frame (generally 12 or 24 months) in which a condition is no longer consider preexisting. For example, if you were diagnosed with a heart condition 13 months ago and the insurance company you are planning on joining policy is a 12-month limit on pre-existing conditions, then you are in the clear and the preexisting condition clause does not apply to you.
Presumably in this context it is your employer providing you with health insurance.It is not that your company would be penalized, it is that the insurance company would refuse to pay for treatment of the preexisting condition. They set rates according to the known health of their pool of insured people. But upon signing up for your company's insurance plan you failed to divulge a known condition, and signed the statement saying you were giving the insurance company an accurate statement of your health, so you lied to them (aka committed fraud). That generally voids your policy.Check the particular wording of your own insurance policy regarding preexisting conditions.
In my state, Alabama, it depends on the insurance company. Some don't have the pre-existing clause while some do. But, also in this state, you can only be added to a spouse's insurance under certain conditions if you were added when he or she first enrolls. You need to check with the spouse's HR department at work.
You can still have the insurance but it may not cover the condition due to a waiting period. Most insurances have a 1 year waiting period for pre-existing condtions but after that year you can be treated. Some insurance policies do not have a waiting period. So it all depends on the insurance and the policy you have. You need to contact the insurance company with your group and policy numbers to find out more info on the contract.
If your motorcycle was a scheduled vehicle on your Insurance Policy then you should be covered. If you were on someone Else's Motorcycle then their insurance policy should cover your medical. If neither coverage is available then you could look to your major medical policy or HMO for medical coverage.
Generally, employer-supplied insurance will provide major medical. Check your policy or ask your HR representative about your specific policy.
Any concealment of facts and figures in the proposal form by the proposer may entail exclusion of benefits be it life insurance or medical policy by the Insurance Company. Specially, in medical policy, 'Pre existing disease/illness may deprive the insured person from benefits under the policy.
Yes. Check the definition though in your policy.
An insurance policy gives you peace of mind. If you get sick, the insurance policy will help make sure you are able to pay your medical bills.
The Insurance Company generally finds out by what you tell them on the application. If you don't tell them, they probably have the right to deny coverage and rescind the application. check what YOUR policy says
The individual policy is always primary.
When you get married, and either spouse has children, those children can be added to the policy. If you have a family plan, step children can also be added to a medical insurance policy.
major medical coverage
The at fault drivers auto insurance policy would pay for medical bills up to the policy limits for which that insured driver is liable. If there is no insurance then there is no coverage. If no one has Auto Insurance to cover you, hopefully you have a major Medical Insurance Policy in place. Major medical will cover your medical expenses even from a car accident.
If you have a health insurance policy (Medical Insurance) it will pick up where your auto coverage left off.
A medical claim is the application for compensation against a health insurance policy or against another's liability insurance policy for the covered portion of a covered event.
Any medical condition that happens prior to you applying for the medical insurance is going to be considered a pre-existing condition. If you're applying for individual insurance, most likely the condition will not be covered but possibly medication for the condition would be covered. If you're applying for group insurance, you can check with the benefits administrator at your job to see how pre-existing conditions are covered in the policy, reason being because individual and group policies differ in coverage.
"Some of the advantages of having a health insurance policy are that if one happens to get sick, they will be covered by their medical insurance. If one is not covered the costs for medical care can be detrimental."
Healthcare services and medical insurance plans are very expensive.
It will be tough but not impossible. One alternative to this is getting a work comp policy - this is only accident coverage but its better than no health insurance at all.