The Solution You’ve Been Looking For?

It feels awful when you are denied health insurance, especially if it keeps happening. But, if you have continually been declined for health insurance in the past, there is a solution; guaranteed acceptance insurance. While not necessarily the cheapest or best insurance, it can be a life saver if you can’t get health insurance elsewhere.

The Upside

Guaranteed acceptance requires no medical exam meaning even those with pre-existing conditions will always be accepted. Similarly, no questions will be asked about the health history of you or your family, so, even if traditional insurers refuse you on these grounds, this kind of policy will always accept you. You can feel some security for your well-being knowing that you are at least partially covered.

You don’t have to answer questions about your lifestyle, so people who partake in high-risk activities, work in hazardous occupations, smoke or drink heavily will all be accepted. Now, you don’t have to leave your job or change your hobbies just to get insurance.

People of any age will be accepted for guaranteed acceptance insurance, which means it is perfect for those over 55 who are unable to get insured elsewhere. As you get older, it can be worrying not knowing how the medical bills will be paid if you need care. This kind of insurance is a good way to put your mind at ease.

If you are unable to get insurance from your employer, because, for example, you are self employed or your work doesn’t offer health insurance, then, again, you should consider guaranteed acceptance insurance.

Policies are available for both individuals and families, so you can ensure the future health of your family even if you can’t get cover from your employer.

The Downside

Guaranteed acceptance insurance tends to be more expensive than traditional health insurance, because everyone is treated as being high risk. If you can get accepted for a conventional insurance policy than it is often better to go with this, but, if not, sometimes it is better to pay a little more for peace of mind. Good deals do exist, they may just be a little harder to find.

Similarly, this kind of insurance tends to offer lower payouts than regular insurance because the insurance providers expect to be paying out more often. But again, if you compare the policies of different providers, you should be able to find one with a payout you are happy with.

Some guaranteed acceptance insurance plans may have an exclusion period for pre-existing conditions - where your existing health problems are not covered for a set amount of time - normally a few months or a year. It is wise to fully understand the features of your policy before you commit to buy.

Find out how a policy can work for you

Despite the downsides, if guaranteed acceptance insurance is the only option available to you, it should still be possible to get a good deal if you shop around. You can start by using our free quote engine at the top of this page to get an idea of the costs within minutes. You don’t even have to leave the website, let alone your seat!