Getting Denied For Health Insurance is Easy

bartenders, telemarketers, tattoo artist, truck drivers, actors, singers, artist, and servers to name a few if they get accepted at all. 

 

Alcohol and Drugs: Information is usually sought regarding the proposed insured’s use of habit forming drugs and intoxicating beverages. Excessive alcohol use is associated with higher than standard mortality and morbidity meaning increased likelihood of death or sickness. If the individual applying for coverage uses alcoholic beverages in large amounts, he or she may be declined or offered substandard insurance while having to pay more to receive benefits, depending on the degree of usage. Use of alcohol in moderation is considered normal. Use of drugs not prescribed by a physician or drug abuse may call for a declination depending on the type of drug. A history of misuse or unsupervised use may require an extra rate increase depending upon the length of time since the drug or drugs were used, the nature of the treatment given, and whether there has been participation in a continuing support program such as Alcoholics Anonymous

 

Hazardous Sports and Avocations: Persons with a higher standard of living and searching for new ways to spend their leisure time often resort to hobbies and avocations. Such activities as scuba diving, mountain climbing, competitive racing, hand gliding, and sky diving clearly can involve a significant additional hazard to be considered in the underwriting process. If a hazard