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Originally Posted by Rupert Pupkin
This is an example of what I was talking about. They can cancel your policy if they can prove that you failed to disclose a pre-existing condition.
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And the insurance companies are stretching the legal laws to the limit to do this, and rewarding employees who find ways to drop clients. Here's a charming story about a woman who got dumped after a $30,000 cyst surgery on her scalp, because she hadn't reported on her original form that sometimes her back felt sore after playing soccer:
http://www.walletpop.com/blog/2009/0...-check-and-be/
In the same article a woman had her policy cancelled after an serious accident costing $150,000 because her HUSBAND had injured his back ten years before. Because, of course, that had everything to do with her accident.
And another article on it:
http://www.litigationandtrial.com/20...sian-roulette/
Fact is, these insurance companies go in AFTER you've incurred a major medical situation, and scour your records for anything, anything that they could use against you. It might not even be related to your current situation; it doesn't matter. And you can say, "But... but... technically they aren't canceling coverage" but the end result is exactly the same. You end up with bills you can't pay and the insurance company maintains their record profits. They're happy to take your money while you're healthy, but when it's time to provide service, forget it.