Scuba Diver - Health Insurance?

[joshril]

I have an agent that is working with a client and plans to write a policy tomorrow. The guy scuba dives and has controlled high cholesterol.

Anyway, the issue is the diving as he dives to depths of 60-90 feet.

He doesn't want a cap on RX, so Aetna is out... We looked at American Community and they say exclusion after 40 ft. GR is an exclusion rider at those depths as well. World is saying that it's standard up to 100 feet.

Humana rates are competitive with World and would be a better fit, but does anyone know how Humana would treat a diver? Unfortunately, the agent didn't get a chance to call them today.

Any other carrier suggestions?

 

[Thatguy]

Try Assurant Health or GTL health. I am a diver, and I have Master qualifications. I have Coventry One.

 

[TXINSURANCE]

What about Unicare?

 

[joshril]

What about Unicare?

The rates were nasty...

 

[saieddie]

Theres nothing about scuba diving in Anthems app in Virginia.

 

[joshril]

Theres nothing about scuba diving in Anthems app in Virginia.

Don't know anything about Anthem in Virginia, but very few of the companies mention scuba diving here in TX. Just because it's not on the app, doesn't mean there is no underwriting action...

 

[Dave020]

For some reason I can relate to this one:

 

[saieddie]

Don't know anything about Anthem in Virginia, but very few of the companies mention scuba diving here in TX. Just because it's not on the app, doesn't mean there is no underwriting action...

How are they going to underwrite for something they don't know about? Do you attach an additional page w/information that the company doesn't ask for?

 

[joshril]

How are they going to underwrite for something they don't know about? Do you attach an additional page w/information that the company doesn't ask for?

If there is something such as an occupation, avocation, or condition listed in the underwriting guide that is not explicitly asked about on the application, the information still needs to be provided.

In other words, if your underwriting guides says that they rider for scuba divers that dive over 60 ft, then it needs to be listed on the application even if it's not blatantly asked for.

Most apps have a details area, but it's not uncommon for me to list an additional sheet.
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In addition... you are underwriting's eyes and ears, and you are obligated to provide any details you feel are relevant to the underwriting decision if even the question is not listed on the application.

 

[moonlightandmargaritas]

If there is something such as an occupation, avocation, or condition listed in the underwriting guide that is not explicitly asked about on the application, the information still needs to be provided.

Nope.

That's why most carriers have explicit questions about occupation and hobbies - on the app.

You are under no obligation to provide answers to any questions that are not specifically asked on the application.

That's why they have an application...