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Medical underwriting investigates your medical history and determines your eligibility for coverage. They enforce the guidelines established by the insurance company. Underwriting may also play an important role in determining the payment of claims. They can decline your ability to be covered by their policy, or they can place a "rider" on a condition meaning they would not cover anything having to do with a certain medical condition, but possibly cover the medication that is prescribed for the condition. For instance if you had back problems, they would not cover any future back problems but may cover your pain medication. They can also give you a "rate-up" meaning if you got a quote from an agent and the underwriters found a specific reason to increase your premiums, they would notify you that your original quote was going to be a given percentage higher because of a certain medical condition. For instance, height and weight restrictions could cause your rate to increase from the original quote. These guidlines vary between the companies.

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16y ago

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