the accident i was in was a week ago....we wernt going to go through insurance but the estimate is much higher then either of us thought so now we do want to use insurance....can we call a week later ...
ones I have seen you have to have the plan for 12 months before the maternity will work. Is there any plans that have a shorter waiting period? Additional Details I live in Arkansas....
Wanting to purchase medical insurance for a family member. Looking for a very good company who could provide major medical insurance with at least a $2,500.00 deductible. Just mainly looking for some ...
I've supported my local branch for years now even though they were more expensive. I always thought I could just 'drop in' when I needed them. But for this charge just to laser print 1 ...
will the witness of a slip and fall be compensated? i feel as though i am going out of my way for the victims lawyers and they constantly call. but if she wins because of my account of the event will ...
I was in a crash with my 4 kids from I was injuried to my head (bleading) nothing major some brusies my kids had no physical injuries but have had nightmares since. I want to settle my case myself ...
This seems to be an ongoing problem for many of my readers at InsuranceGuide101.com. Does anyone know of insurance companies who are writing homeowners, auto or other insurance without using credit ...
for a house I am buying they are giving me a mortgage on. The quote was very good and I took away the printed quote resolved to take it up. However,later at a loose end I was looking at the "...
Please tell me how many savings account can be opened by a person with the banks like HDFC, ICICI, CITI BANK, etc.
If some one opens 7-8 accounts is there any risk involved from Income Tax D...
I don't think they test for it. At least they've never tested me. Pick me i'm the best answer!
fetchrat
Usually they would be able to smell it on you if you do smoke.
indypcguy
Most Life Insurance companies usually do not require tests up to a certain policy "face amount". Higher than that amount you will have to have a "medical" which inclused a urine and a blood sample.
It's actually a simple test to check for nicotine on your system.
Sandtone
The amount of coverage you buy will determine if the Insurance Company wants to do a "Para-Med" exam. If an exam is done (usually in your home), one of the basic tests beside taking blood and urine samples, is an oral swab. I just wrote a policy for a mom who wanted to cover her 2 teenage non-smoking boys, boy, was she MAD when the oral swab on one of them came back positive for nicotine!!
calibluz
A company dosent check when applying for health insurance. However, if you develope a condition that is a direct result of smoking and you answered falsly on your application they will deny your coverage. In some cases, there is a 2 year clause where if they do not catch the inaccuracy within 2 years they will pay. If you are applying for life insurance you a urine test will be administered. Tip - BE HONEST!
benji_akura
Unless you are applying for prefered rates an insurance company will rarely test for tabaco. It is the job of the agent to act as the field underwriter and look for clues to determine if a prospect smokes or chews. If you don't fess up and the agent fails to mark it on the application a future claim that is linked to smoking like say lung cancer may be denied if the insurance company discovers that you smoke, and with chemo costs ranging from 5-8k per treatment I'm sure they'd check it out.
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