What is international medical history?

International medical history refers to any medical conditions, treatments, or diagnoses that an individual has experienced outside of their home country.

How does international medical history affect life insurance underwriting?

International medical history can have an impact on life insurance underwriting as it provides additional information about an individual’s health risks and potential future claims. Insurers consider international medical history to assess the overall health and mortality risk of an applicant.

What factors do underwriters consider when evaluating international medical history?

Underwriters consider various factors when evaluating international medical history, including the specific medical conditions, treatments received, duration and severity of the conditions, medications taken, and any potential ongoing health risks associated with the medical history.

Can international medical history lead to higher life insurance premiums?

Yes, depending on the nature and severity of the international medical history, it can lead to higher life insurance premiums. Insurers may adjust the premium rates to reflect the increased risk associated with certain medical conditions or treatments.

How can I provide my international medical history to life insurance underwriters?

You can provide your international medical history to life insurance underwriters by filling out the medical history section of the insurance application form accurately and thoroughly. It is important to disclose all relevant details, including any international medical treatments or diagnoses.

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Q: Will life insurance underwriters consider my international medical history?

Yes, life insurance underwriters will consider your international medical history when evaluating your application. They will review the medical records and information provided to assess the potential risks associated with your health history.

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Will life insurance underwriters consider my international medical history?

Will I need to provide my complete medical history, including previous surgeries and treatments in a life insurance evaluation?

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