What will cause an insurance company to offer me insurance at a higher premium rate or limit the products or benefits I can get?

Insurance companies may offer you insurance at a higher premium and/or limit the products or benefits you can purchase if you had a health problem in the past but you have recovered or you have been without symptoms for some time.  Insurance companies will also do this for minor health problems that you had in the past or may currently have.  Insurance companies argue that these conditions pose a risk that it will cost more for your health claims than if you were completely healthy.  Each application and insurance company is different.  An insurance company may charge a higher premium or limit the products offered for the health conditions below.  There may be other health conditions and time frames that are not on this list.

  • Stroke, after 10 years with no reoccurring problems;

  • Allergies, while testing is in process;

  • Ear infections, controlled with medications;

  • Lyme’s disease, without symptoms after one year;

  • Breast Implants (non-silicone);

  • Ringworm;

  • Joint sprain or strain, recovered and no restrictions;

  • Migraine headache, mild and infrequent with no emergency room visits;

  • Mild depression.

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