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UPDATED: Dec 8, 2011
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Insurance Question from Fort Lauderdale, FL
Asked on 12/08/2011
about health insurance In 2007 I was misdiagnosed in a hospital as having hypertension and prescribed medication which I took for two weeks and then stopped when I found out the real problem was an inflamed shoulder tendon. I am applying for international health coverage as I travel frequently and do not want to mention the above as they will probably deny any future claim due to heart problems. Can the company find out about this hospital diagnosis if I dont mention it?
Answer given on December 09, 2011
Yes, it is possible for the company to find out about this diagnosis. There is a company called Medical Index Bureau or MIB that most insurance companies subscribe. Insurance companies submit information as well as retrieve info on policy holders and potential policy holders. Therefore, it is very possible that they could find out. Read our article Life Insurance Application Process, where we mention MIB. Underwriting of health policy is some times similar. If it shows up, you can try to ask your doctor will he write a letter advising of the misdiagnosis. Hope this helps.
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