How can you be accepted for health insurance without exclusions for a previous medical condition? A glitch in the Matrix?

How can you be accepted for health insurance without exclusions for a previous medical condition? A glitch in the Matrix?

When applying for health insurance, you are required to fill out a health declaration and sometimes even medical documents.

The goal of the insurance company in this is to assess the risk inherent in each and every insured and accordingly to price

the premium or the acceptance or non-acceptance of that insurance candidate.

All in all, it makes sense, but it often causes heartache when the customer wants to use the insurance, but is rejected due to a previous health condition.

I happened to mention in another post the subject of collective insurance that allows joining without a health declaration usually

Through the workplace or through various organizations.

In recent years, private companies, not insurance companies, have started to compete for insurance coverage while focusing

In various service letters that are a competition to ambulatory appendix, complementary medicine and child development that you usually receive

Exclusions.

Among the services that can be received you can find: reimbursement for consultation with a specialist, tests such as MRI, PET-CT

and ultrasound. Physiotherapy or hydrotherapy treatments, child development treatments such as didactic diagnosis, attention disorder diagnosis, occupational therapy treatments, therapeutic riding, therapeutic swimming, dietary advice, personal fitness trainer, speech therapist and a long list of other services.

Since these companies are trying to break into the large market of insurance companies, they write in their coverage a qaulifying period of 3-12 months, but since the entry into the letters coverage is without a health declaration, they usually do not check the qaulifying period and pay the claims received without reference to a medical condition previous.

All this provided that no claim was received during the qaulifying period.

The whole thing seems uneconomical, but on the other hand selling chicken for a shekel also sounds uneconomical and the opposite is true.

So if you and your family members or your child have a problematic medical history, I invite you to look into the issue

and start enjoying these services that can help the whole family on days when they are trying to save every shekel.

#insurance #healthinsurance