About Health
Insurance and High-Risk Behaviors
When you are being considered for health insurance coverage, underwriters will not only review your health history to determine the risk you present to the insurance company, but will also review your activities and lifestyle. Any high-risk behaviors you enjoy could come under review and may affect the policy and premium.
Significance
Taking part in high-risk behaviors puts you at risk for more health issues and accidents, which increases your potential for health-care expenses and the amount of risk you pose to the insurance company.
Function
An underwriter's job is to determine how much risk you present and, therefore, how much of an expense you will entail to the insurance company. By reviewing your high-risk behavior, the underwriter can predict how much of an additional expense you will represent.
Identification
Underwriters my review your Motor Vehicle Report to help determine whether you have a propensity toward high-risk behavior. If you have many speeding tickets and accidents in which you were at fault, it could increase your premiums.
Identification
Activities like smoking are considered high-risk because they increase the possibility that you will get certain cancers and illnesses related to the activity.
Identification
Certain travel habits and hobbies may also be considered high-risk by your underwriter. Travel to war-torn countries and hobbies like skydiving could increase your premiums or make you uninsurable.
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