Why do some insurance policies perform underwriting post-claim?
In short, post-claim underwriting is done by insurance companies in
order to investigate whether they can find a valid ground to deny
coverage or payment on the claim. It is a practice that is used most
frequently in creditor insurance policies, such as Mortgage Life and
Critical Illness policies where the sole basis of the policy issuance
depends on whether you answer yes to any of the health history questions
on the application. Insurance offered on the basis of "no medical
required" would fall into this category and consumers should be wary of
sales pitches suggesting that "everyone qualifies".
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