Does company policy vary from company to
company regarding the number of months
after the initial activation of the policy
(ie E 12 months, 24 months, Zero
months...etc) that a claim can be made for
a condition not originally made known on
the application?
I'ver heard about an "incontestible
period" (Federal Law(?) where-as an
applicant can make a claim for a
pre-exisiting condition after 24 months of
coverage even though it wasn't listed on
the original application or made known to
the insurer.
Is there any truth (or variations) to the
above? Does it vary from company to
company or is it all just considered
insurance fraud?
Please advise?
Thanks!
|
Sunflower_pie81
Especially EHEALTHy
Joined: 17 Jan 2006 Posts: 5041 Location: to hell with this crap
Posted: 04-19-07 11:10am
All policies are different. you dont' have
to disclose your preexising conditions
however they are going to be subject to
pre-ex/contestabel review when/if you file
and claim and if you have been found to
have a condition that is preexisting they
can take your policy away or just deny
your claim.
