How Blood Pressure Can Affect Your Insurance Rates

~ March 2012 No.243 ~

Though millions of people suffer from high blood pressure, the condition remains a mystery in the medical community. Several things can contribute to high blood pressure, although there is no one specific cause. Elevated blood pressure causes strain on the cardiovascular system, which could lead to heart disease or other cardiovascular conditions. Although scientists and doctors do know that factors, such as obesity, stress and high sodium intake can contribute to high blood pressure, some cases are seemingly unavoidable even with lifestyle modifications. The majority of the general population will develop some type of high blood pressure at some point in time, which can have a significant impact on the ability to get health insurance plans at an affordable rate, if at all

medical insurance denied

What are the Reasons for Considering Blood Pressure when Determining Life Insurance Rates?

It is no secret that private health insurance companies will consider many aspects of your overall health when determining whether to extend a life insurance policy to you. Insurers want to know everything about your health, both past and present. After all, insurers are trying to make a profit, and if certain characteristics of your health profile suggest that your life expectancy could be lower than expected for your age, or that you will need more medical attention and prescription drugs than otherwise healthy individuals, you could face higher premiums or greater restrictions when you decide to purchase insurance.

Your blood pressure carries significant weight in determining your eligibility for health insurance, as well as the price you will pay for premiums. One of the most common questions insurers ask applicants has to do with blood pressure. A health insurer will want to know about your blood pressure, as well as that of your parents and siblings. Even if you have no other existing health problems, high blood pressure can signal the beginning of hypertension, which can eventually lead to heart disease. Chronic high blood pressure usually requires medications, as well as more frequent check-ups from a doctor.

How Does It Affect Health Insurance Rates?

Private health insurance premiums are quoted based on healthy individuals. However, if a health history investigation or medical examination reveals that the applicant is suffering from elevated blood pressure, the premiums may be higher than for individuals without high blood pressure. Rates are elevated to compensate for the increased expenses associated with blood pressure medications and the possibility of more cardiovascular complications in the future

What Do Insurance Companies Usually Offer to People with High Blood Pressure or Taking High Blood Pressure Medications?

Some health insurance companies may not raise your premiums if you have high blood pressure, but they may instead decide to exclude coverage for your blood pressure condition and any other cardiovascular problems that develop in the future. Depending on the extent of your condition, a health or life insurance company may forgo charging you higher premiums and instead choose to deny you benefits altogether

 

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Last modified

September 14 2016