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Eligibility for Markel Smart Short Term Medical Insurance

by Tony Novak, CPA, MBA, MT,   January 8, 2011


Markel Smart Short Term Medical Insurance is one of the most popular insurance plans of its type across most of the United States. One of the reasons for its popularity is the liberal medical eligibility.

To be eligible for this insurance, an applicant must be able to answer "NO" to the following medical question:

1. Do you or any proposed applicant have any other insurance policy (group, major medical, government, or other) that will be in force on this policy’s effective date?

2. Are you or any of the proposed applicants now pregnant or expectant fathers?

3. Has any person proposed for coverage been declined for health insurance in the past 12 months? (Missouri residents do not have to answer)

4. Have you or any proposed applicant received treatment, medication, medical and/or surgical advice, and/or been diagnosed with, cancer or tumor, stroke, heart disease including heart attack, chest pain, asthma, COPD (chronic obstructive pulmonary disease) or emphysema, liver disorder, degenerative disc disease or herniation/bulge, rheumatoid arthritis, degenerative joint disease of the knee, diabetes, chronic renal failure, alcohol abuse, chemical dependency, or diseases of a mental nervous nature within the past 5 years? 5. Have you or any proposed applicant been diagnosed or treated for AIDS, AIDS-related complex, or any other immune system disorder, except HIV infection?

If these questions are answered "NO" then coverage can be issued immediately online.


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