Legal Question in Insurance Law in Texas
Should Insurance Company Pay
Is an insurance company required to insure a person with a pre-existing condition out of medical necessity? Can an insurance company refuse to insure a person with a pre-existing condition?
Asked on 2/27/01, 1:50 pm
1 Answer from Attorneys
Charles Aspinwall
Charles S. Aspinwall, J.D., LLC
Re: Should Insurance Company Pay
An insco may refuse to insure someone with a pre-existing condition unless there is a contractual waiver as is sometimes found in union contracts and for spouses of employees of large companies.
Generally an individual applying for insurance will be either rated up [charged a higher premium] or the condition will be specifically excluded from coverage.
Answered on 4/24/01, 9:39 am
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