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Answered 2006-09-10 03:54:56

cancer or any other terminal disease. not sure about chronic health problems like Diabetes or high blood pressure. From a tactical perspective, any illness that the insurance company has determined will likely cost them more money than they can make on premiums. There are some illnesses that they think are more costly but they can offer coverage profitably if they offer you a higher premium. A quick review of 'Declinable Conditions' (those that will result in an automatic decline under all circumstances) from Blue Cross of CA is about 120 items. There are probably another 100 conditions that they may choose to deny coverage depending on severity. As for the answer above, insulin dependent diabetes is almost always a decline, high blood pressure will generally be declined only if it is uncontrolled.

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