- 14,809
This is a scenario I'd like some clarification on. You're writing a health app and your client wants life - underwritten.
You submit the health app on the 1st and it's in underwriting with say a 20th effective date. Client honestly believes he's healthy.
You submit the life app and paramed comes out quickly - results come in and it's whatever scenario you want to run with; hbp, cholesterol, sugar, enzymes, etc...
If the health app's still in uw you now have to call the carrier with the results of the paramed?
What about the same scenario where the client's effective date is the 2nd and he's also approved on the 2nd. Paramed comes back - he's diabetic and now runs off for treatment before his health insurance cards arrive?
My answers to this are: so long as the health app is approved and the client had no knowledge of any condition treatment is covered. Also, uw must be informed of any change in health status until the app is approved but I've received some conflicting statements.
You submit the health app on the 1st and it's in underwriting with say a 20th effective date. Client honestly believes he's healthy.
You submit the life app and paramed comes out quickly - results come in and it's whatever scenario you want to run with; hbp, cholesterol, sugar, enzymes, etc...
If the health app's still in uw you now have to call the carrier with the results of the paramed?
What about the same scenario where the client's effective date is the 2nd and he's also approved on the 2nd. Paramed comes back - he's diabetic and now runs off for treatment before his health insurance cards arrive?
My answers to this are: so long as the health app is approved and the client had no knowledge of any condition treatment is covered. Also, uw must be informed of any change in health status until the app is approved but I've received some conflicting statements.