4 doctors weighed in:

Why do health insurance plans require a medical exam?

4 doctors weighed in
Dr. Andrew Turrisi
Radiation Oncology
2 doctors agree

In brief: Insurers are in the

Business of collecting premiums and paying as few claims as possible.
Some ask a few questions, deferring an exam, many want not only historical data, an exam, but urine and blood work. If they do not see what they like, you wll not be offered a policy.

In brief: Insurers are in the

Business of collecting premiums and paying as few claims as possible.
Some ask a few questions, deferring an exam, many want not only historical data, an exam, but urine and blood work. If they do not see what they like, you wll not be offered a policy.
Dr. Andrew Turrisi
Dr. Andrew Turrisi
Thank
Dr. Ester Kwok
Internal Medicine
1 doctor agrees

In brief: Risk assessment

Not being in the insurance industry, i would surmise that a medical exam is required for risk assessment, especially if the plan is a for-profit one.

In brief: Risk assessment

Not being in the insurance industry, i would surmise that a medical exam is required for risk assessment, especially if the plan is a for-profit one.
Dr. Ester Kwok
Dr. Ester Kwok
Thank
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