The answer to whether you’ll qualify for medical insurance depends on a few things. It depends mostly on what type of medical aid you’re after. There are many types of insurance policies that ask for varying qualifications from their owners. Generally, you’ll be evaluated according to your health and financial conditions. Expect that you’ll be asked some questions so that the insurers can determine whether you are eligible for the insurance that you’re applying for.
Information that they will be getting are the following:
Your characteristics such as age, weight, height, gender, etc.
your occupation and where you work; your habits and lifestyle
your health status and medical history
information about your doctor and your medical checkups
and other crucial factors.
To make things easier for you, you can read the qualifications of an insurance policy before applying for it. You may request this list of qualifications from the provider of the insurance or read about it from their website.
What happens after being evaluated is that you’ll get a medical insurance policy that’s been modified according to what they discover about you. If you have many illnesses or if you have a risky life in general, you will be given a more expensive insurance policy. Otherwise, there will be some of your conditions that they will not provide protection for. This shouldn’t discourage you from acquiring a policy however, because even though your policy may not support you with all of your medical expenses, you’ll be greatly helped by significant discounts from your medical bills.
If you are an employer, you can get medical insurance for you as well as your workers. However, you must have proof that you are operating a business legally by presenting the required documents such as your business license, permits, certifications, etc. Ask your insurance provider about what you need to give so that you’ll be granted the medical insurance for you and your team. You will be asked to pay for your employees as well as yourself so set aside a portion of the company’s budget for it.
If you are employed, ask whether you can get medical insurance. Usually, companies automatically insure their employees. If this is so, you’ll have the insurance without having to apply for it yourself. You are automatically eligible to receive it because you are insured as an employee. However, there are some types of medical aids that covers even those who have become unemployed. The most important qualification for this type of insurance is that you can still afford to pay for it even though you have lost your job. Ask for the other qualifications from the provider of this insurance type.
There is kind of medical aid insurance that works for the long term. This insurance plan has more qualifications than the regular type, but you are lucky if you have it because you won’t have to worry too much about your medical bills. You may not be eligible for long term medical insurance if you have serious health conditions, or if you don’t have enough money to pay for the premiums.
If you are rejected from having this insurance policy, or any other policy for that matter, do not give up because there’s a medical insurance plan that’s perfect for you.