Based on how you can make a claim, there are two ways health insurance policies are designed:
If you already have a health insurance policy but want to get another one to increase coverage, make sure you disclose this fact from the start, to avoid rejection of claim from either of your insurers.
It is definitely a possibility. However, group insurance plans offered by most employers:
Every insurer has a set of underwriting guidelines which they follow to assign a ‘risk class’ to you depending on how much of a risk they face by accepting your application to be a policy holder
Full Disclosure is essential. Never lie to your insurer about any medical conditions you are aware of having, be it verbally or by any other means of communication.
If you have any other questions, leave them in comments below!
"Knowing yourself is the beginning of all wisdom"- Aristotle -
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