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Can health insurance companies deny my application for individual insurance due to a health condition?

April 26, 2017application companies condition deny Health health insurance individual Insurance

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Can health insurance companies deny my application for individual insurance due to a health condition?

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Yes, the company has the right to deny coverage for almost any reason on a new application. However, once you are accepted for coverage, your policy can only be terminated for one of two reasons. The company can cancel your policy for failure to pay your premiums in a timely manner or if you misrepresent information on the application or fail to disclose known information, the company may rescind the policy for material misrepresentation.

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Yes .They can either refuse or issue the policy with loading (which means extra premium). You do not have the right to compel the Insurance Company. If you are above 45 Yrs and have paid for medical tests even then you do not get the right that they must issue the policy.