Our aim is to help you complete the process as easily as possible.
All applications for genuine individual/family health insurance involve two or more steps no matter which insurance company it is.
Initial payment: most insurance companies require an initial payment at the time of the application. Most don't, but a few do, have an application fee. Application fees are usually not refundable.
Most companies do not charge, cash, or draft your initial payment unless and until your application is approved. Some may charge you upon recept of your application, but if they do, the initial premium payment is refunded 100% if the application is not approved.
Health history: first, the health history and personal information must be submitted. Oftentimes, the answers given must be clarified and any missing information obtained from the applicant.
Medical records: depending on the health history, medical records have to be obtained in some cases. Some insurers will get the records directly from the medical provider, others will require that the applicant get them.
Medical exam?: most insurers do not require a medical exam, but some do require a paramedical exam for a small percentage of their applicants. If it is required, the insurance company pays for it.
Telephone interview: many insurance companies require a telephone interview for all applications before they will issue health insurance coverage. Usually, you must be available by telephone if you want to get health insurance coverage.
Return calls: for all insurance companies, if a message is left for you, you must return all calls about your application during the application process or you may find that your application is not processed.
After we receive the information form, we will be in contact with you to assist in completing the process.