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Regulation of pre-existing condition exclusions in individual (non-group) and small group (2 to 50 employees) health insurance plans in the United States was left to individual U.S. states as a result of the McCarran–Ferguson Act of 1945 which delegated insurance regulation to the states and the Employee Retirement Income Security Act of 1974 ...
Other common exclusions in travel insurance policies include: Undeclared pre-existing medical conditions; Unlicensed operation of a motorcycle [18] Travelling for the purpose of receiving medical treatment; Elective surgery or treatment [19] Injury or illness caused by reckless activity such as careless driving, use of alcohol, use of ...
To show how travel insurance can come in handy on trips, U.K.-based medical insurance provider AllClear analyzed its data from 2022 and 2023 to identify the top 10 countries with the highest ...
The Pre-existing Condition Insurance Plan (PCIP) was a form of health insurance coverage offered to uninsured Americans who were unable to obtain coverage because of a pre-existing condition. These provided coverage to as many as 350,000 people to fill the gap until the Affordable Care Act went into effect in 2014.
Critics of medical underwriting believe that it unfairly prevents people with relatively minor and treatable pre-existing conditions from obtaining health insurance. [45] One large industry survey found that 13% of applicants for individual health insurance who went through medical underwriting were denied coverage in 2004. Declination rates ...
Term life insurance: If your pre-existing condition is under control, term life insurance might be your best option. You can typically sign up for a 10- to 30-year term that will payout if you die ...
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