How long will the medical underwriting process take?
The underwriting time frame depends on the medical history listed on the application. Turnaround can be as quick as one day or as long as one month. Our commitment is to respond to a submission in writing within 3 – 5 business days. This may mean that we send a request for additional information to the applicant, such as a specific medical questionnaire, or notify the applicant that they erroneously missed a question on the application form. Occasionally we have to obtain medical records from hospitals or providers. Our turnaround time in these situations will depend on how quickly the provider responds to our request. If we receive the application before the requested effective date, we can honor the effective date even if the approval comes through thereafter.
The underwriting time frame depends on the medical history listed on the application. Turnaround can be as quick as one day or as long as one month. Our commitment is to respond to a submission in writing within 3 business days. This may mean that we send a request for additional information to the applicant, such as a specific medical questionnaire, or notify the applicant that they erroneously missed a question on the application form. Occasionally we have to obtain medical records from hospitals or providers. Our turnaround time in these situations will depend on how quickly the provider responds to our request. If we receive the application before the requested effective date, we can honor the effective date even if the approval comes through thereafter. • I am based in the U.S. Can you help me find participating doctors in my hometown? Inside the U.S., HTH has a network of over 380,000 providers available to its members. You can find a doctor in this network by logging onto www.be
