Prohibition of Medical Underwriting in Health Insurance Policies: A Comparative Study, June 2014

The study examines whether the law of different western countries prohibits insurance companies from performing medical underwriting and changing the coverage of the policies they sell based on the insured’s medical condition. The study reviews the regulation applied in three advanced western legal systems regarding medical underwriting in health insurance policies. The countries surveyed are the United States, Australia and the Netherlands.
The study examines whether there is a prohibition on medical underwriting; The nature of the prohibition and the type of insurance for which it applies; who are the insurers; Under what circumstances and for what needs medical underwriting is permitted, and whether there are mechanisms to indemnify the insurance companies that overpaid to senior insurers or those with special health issues.

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