Medical Questionnaires are a requirement for many insurance policies. With a little pre-planning, filling out the medical questionnaire can be an easy process.
First of all, it’s important to understand how an insurance company will use the information you provide to them in the medical questionnaire.
Insurance companies use a medical questionnaire to determine 3 important things:
- Your eligibility – Can you purchase this coverage?
- Your rate – How much will your coverage cost?
- Your Stability period – Have your medical conditions been stable long enough for each to qualify for coverage?
If you forget to disclose a pre-existing medical condition, or if you provide inaccurate or incomplete answers to questions, this could make your policy invalid. That is why it is so important to be sure that each question is answered accurately. Otherwise, you may be paying for coverage that you can’t use.
Speak with your doctor
If you have any doubts about your medical history or how to answer a specific question, be sure to speak with your doctor. Many of us have had our doctors tell us to “keep our eye on” something. But do we know exactly what they wrote down in our file? What is written in your medical records may not always match the conversation you had with your doctor. Depending on what is documented in your file, “keeping your eye on” may actually constitute a diagnosis.
In the event of a claim, an insurance company will review your medical records. It is imperative that your answers on your medical questionnaire match your medical records. Some medications can be prescribed to treat numerous medical conditions, so sometimes providing a list of medications you are prescribed will not be enough. Have your physician list all your prescribed medications and what specific conditions they treat. Be sure that it includes the medical term for each condition.
Speak with us
As brokers, we deal with medical questionnaires all the time. We understand what insurance companies are looking for and can help you understand each question.
Our brokers will also be able to help you find a plan that will work for you based on your trip length, your medical conditions, and your age.
Give yourself plenty of time
Accurately filling out a medical questionnaire can take some time and pre-planning. Leave yourself plenty of time to read every question carefully and to be able to consult with us and your doctor. You don’t want to feel rushed and risk mistakes.
Remember, being accurate on your medical questionnaire begins with understanding your medical conditions and medical history. Your doctor and insurance broker are both resources you can draw on to ensure that you answer the questions properly, and give you the peace of mind that you have the right coverage you need while away.