uGoGirlFriday

On insurance and pre-existing conditions

I often get email offers on no exam life insurance. I wonder how they could offer insurance without even checking up their client’s health. But then again, a large number of reputable companies are offering this too although more expensive than their regular insurance packages.

I have been thinking of getting additional insurance because of what happened to a friend of mine. She was confined to a hospital last week because of pneumonia and she just relied on health insurance to cover the expenses. Unfortunately, her insurance company denied the request of the hospital to pay all the bills. It had something to do with pre-existing conditions which were not clearly specified. This made me consider getting an insurance package that requires no exam, meaning all the pre existing conditions will be waived. This could be a great advantage for me.