
Originally Posted by
Terminator1
HIPAA is for group health plans only not individual and not life. I should have made it clearer in my earlier post but they only really look at medical records when doing an individual health insurance. Not group plans. Also in the uniform provision laws for individual health insurance it states that the insurer is not liable for any loss arising from the insured’s use of any drug not administered on the advice of a physician.
Factors used by Life insurance underwriters in evaluating risk include Age, sex, marital status, occupation, health, financial state, income and Medical history. One of the basic sources an underwriter uses in evaluating risk is the info provided by the attending physician regarding the health history of the applicant.