Yes to Risky Activities in Health Insurance

[mikeras67]

Anybody know what happens when you say "yes" to that question on a health insurance app that asks if you do risky activities like skydiving, rock climbing, etc?

 

[tins]

Anybody know what happens when you say "yes" to that question on a health insurance app that asks if you do risky activities like skydiving, rock climbing, etc?

You get rated up a little.

 

[mikeras67]

What's "a little"? Like $10, $20, $30 a mo extra, or like $75, $100, $125 a mo extra? I know it's difficult to tell without specific information, but on your experience a best estimate?

 

[tins]

Not sure. I had a guy rated up around $25/month for working in construction.

 

[Guest]

They probably have to fill out a supplemental form, then get rated depending on the danger of their activity.

 

[somarco]

The better question is, what happens if you answer no but you really do participate in those activities.

 

[Crabcake Johnny]

Anybody know what happens when you say "yes" to that question on a health insurance app that asks if you do risky activities like skydiving, rock climbing, etc?

Likely an exclusion to a decline. You'll have to answer additional questions - like frequency and in case of say, scuba diving, how far you dive. Does "rock climbing" means at your local park, or Mt Everest? It matters.

 

[Newby]

Isn't it pretty obvious that if you answer "no" you will NOT be covered by injuries from any of those activities?