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RUSSELL A | Okay, I want to know if an indiviual with cancer can get life,health insurance can a person with HIV get ins? |
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nelson_devon
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Not usually. |
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Suzanne: YPA
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There are many life insurance carriers that will consider covering an individual who has had cancer; it all depends upon the stage that the cancer has progressed to (as per the pathology report), the type of cancer it was, the type of treatment received, the follow-up findings, and the length of time that's passed since the cancer has been cured. If the person meets the carrier's underwriting guidelines, the policy will be "rated," meaning the premium will be increased due to the future risk of reoccurance. If the person doesn't meet underwriting guidelines, usually the application is declined or postponed. There are some types of life policies that require little medical underwriting and few questions, but as another answerer pointed out, the insured will end up paying nearly the face amount of the policy; when a person has this type of policy for many years, it's not at all unusual that they'll pay MORE in premiums than the policy pays out when they die. Another option would be to elect group insurance, which isn't underwritten unless the person requests a higher amount than the insurer and employer have agreed to issue without "evidence of insurability."
Underwriting HIV is a bit trickier and there aren't many insurers that are insuring this type of risk. Typically, if a person has progressed into AIDS, the application is automatically declined. However, if a person is HIV +, taking medications faithfully, and their lab scores are within an acceptible range, an insurer that accepts this type of risk will issue a rated policy. As suggested above, a limited-underwriting policy and/or a group policy is also available.
As for health insurance, a person with active cancer and/or HIV infection is automatically declined, UNLESS s/he is protected by HIPAA and is moving from one group policy to another, or from a group policy to a special HIPAA-specific individual policy. You can read more about HIPAA here:
http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html
The person's state insurance commissioner's office can suggest other options, which vary from state to state, and may include membership in the state's "High Risk Pool" (if any); Medicaid and state HIV or cancer programs.
I hope this helps. |
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Insurance Biz CT
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It is possible to get both.
Life insurance may be very costly, because their Actuaries may determine that the condition will significantly shorten the life expectancy of the insured. You may be talking about a significant premium.
Health Insurance varies from state to state. Individual coverage, generally is not guaranteed issue and an individual as described can be declined for coverarge, or can have a pre-existing condition excluded. In some states, certain group coverage is guaranteed issue, sometimes will require proof of prior coverage,and sometimes won't.
Most states will have a "high risk pool", which probably should be called "high cost pool". You know, just like car insurance. |
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Uther Aurelianus
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Possibly.
If the cancer is considered curable, than maybe.
You can find insurance companies that will insure with any health issues, but the premium will be sky-high, at least ten times the normal rate.
Lloyd's of London is a well known insurance company that will insure anything and everything. They are famous for insuring celebrities assets. It was rumored at one point that Tina Turner's legs were insured by them for millions! |
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Jen
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you have the same odds of getting life and health insurance as someone with cancer or anyone with a disease that have good odds of killing them. health insurance from an employer would be your best shot. |
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ChCh01
 |
Depends on where you are. In California, employees of groups of a certain size can get insurance without being underwriten, meaning they don't check your health. As an individual in CA, you can get a Major Risk plan, unless you are terminal. The rates are high and the annual maximum is limited, but something is better than nothing. This is the reason we all say you need to get insurance BEFORE you need it. |
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ricks
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I used to work for a company that sold life insurance to credit union members. They would cover both for whole life upto $100k w/o even asking about cancer or HIV in the 6 question health part. They will not cover AIDS but will HIV. The rates were pretty comparable to most other whole life policies. |
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mamayer6
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no, because they don't insure current conditions. Your friend mght be abkle to get insurance but the insurance will not cover current illenesses. There fore if your friend has cancer he/she can ge insurance for anything but the cancer |
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jadebearranch
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I am not sure about the life insurance, but we have discount medical benefits and the company accepts existing conditions. You get up to 80% off and it covers dental, chiropractic, vision and prescription too. It is pretty reasonable, $59.95 covers our household, and I even put my son in law on it. Alot of companies don't accept people with existing conditions. |
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plc 7
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If it is group insurance threw employment, yes
if it is a very large company the insurer will take the hit, as to not lose the whole account.
If it is a small company, there rates will sky rocket and ultimately back fire on you.
as far a single/private insurance goes, the rates will knock you over.
there are a huge number of people working full time with different terminal type illnesses, with insurance |
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mbrcatz
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Yes, a person with HIV or cancer CAN buy a life insurance policy, as long as they are willing to pay pretty darned close to face value. That means, you might pay $8,000 a year for a $10,000 policy.
They can get health insurance, but none of the existing illnesses, or related issues, would be covered. |
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