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Medical
History Aspects that Health and Life
Insurance Companies are Most Concerned
about
If
you think that illnesses like diabetes and
cancer in your medical history are the
only things that health and life insurance
companies care about, think again.
Those
are not the only possible causes of death.
There are also other data that your
medical history could reveal and which a
health and life insurance company would
consider alarming.
If
you wish to know how your medical history
makes you look in the eyes of a health and
insurance company, the following questions
will allow you to determine the answer for
yourself.
Vices.
Obviously, if you are guilty of consuming
too much alcohol, nicotine, and drugs even
once in your life, this will be reflected
on your medical history and your health
and life insurance company would naturally
learn about it. It's possible that they
won't require you to pay exorbitant rates
for insurance, but rest assured that
you'll still be charged a slightly higher
rate than they would charge other people
who are free of any vices.
Top 10 Most Common Causes of Death in the
United States. If your medical history
reveals you to be in danger of having any
of the top 10 most common causes of death
in the United States, you will be
definitely charged higher health and life
insurance rates.
As
of 2000, the Centers for Disease Control
and Prevention cited the following as the
most common causes of death: heart
diseases, cancer (of all kinds),
cerebrovascular diseases, chronic lower
respiratory diseases, accidental or
unintentional injuries, diabetes,
influenza and pneumonia, Alzheimer's,
nephritis or other similar disorders, and
lastly, septicemia or having bacteria in
the blood and which originates from an
infection from any part of the body.
Septicemia is also considered a common
disease resulting and associated with
other more serious diseases like SARS or
severely acute respiratory
syndrome.
Accidents
and Job-Related Injuries. Your
medical history contains information about
every visit you pay to your doctor. Your
health and life insurance company will
not, however, stop from merely reading
what your injuries consisted of. They will
also determine the causes behind the
injuries. If they learn that you had an
accident due to your job or a particularly
nasty hobby, those will definitely
initiate a new round of questions for you
to answer.
According
to the National Safety Council, being a
pedestrian, pedalcyclist, and motorcyclist
are the top three most common reasons for
a person to get into an accident.
Obviously, being a pedestrian is something
that none of us can help. But using a
bicycle or motorcycle are obviously two
things that cannot happen without your
consent - regardless of whether or not
it's required by your occupation - and
these may also make an insurance company
charge you a higher
premium.
As
mentioned earlier, being involved in an
accident will be included in your medical
history and allow a health and life
insurance company to research about your
past. Consequently, they'll find out
whether or not you're telling the truth
about your occupation. The National Crime
Victimization Survey reported police
officers, private security guards, taxi
drivers, prison guards, and bartenders as
the top five riskiest jobs as of 2000. If
your work by any chance falls under any of
these categories then prepare yourself for
another negotiation because it will take a
lot of convincing for an insurance company
to still give you low rates.
Emotional,
Mental and Psychological
Disorders. Physiological risks are
not the only things that an insurance
company would be concerned about. If your
medical history reveals that you
previously suffered from any emotional,
mental or psychological disorder, the
health and life insurance company will
then take the necessary actions to
determine if you are still suffering from
the disorder today, and if you are taking
appropriate medication and treatment for
it, and also if there are any chances for
you to become suicidal or have violent
tendencies in the future. Obviously, a
'yes' to either question would not reduce
your insurance rate.
The
worst thing about any person's medical
history is how it often portrays past and
present events entirely in black and
white, making it harder for you to
convince the health and life insurance
company to give you a more affordable
option. But rest assured that it is
possible - and you don't have to lie about
it!
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