Underwriting for Health Insurance Means Meeting Some Conditions

When you apply for health insurance, there is a process you go through called underwriting. In plain English it means you have to meet certain conditions before being approved for a health insurance policy.

In most cases the questions revolve around how you will be insured, for what and how much, what happens if you are accepted (or denied) and if the insurance company is willing to wave or rider some types of conditions. There is also the question of whether or not you “will” be insured.

Being denied health insurance is a shock to a lot of people who figured they asked for a quote and that means they get health insurance. It only means you asked for a quote and got one. It doesn’t mean you automatically get health insurance.

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