Final answer:
When issuing an individual health insurance policy to someone who has had asthma since childhood, an insurance company will assess the severity, frequency, treatments, and control of the condition. They may approve the policy with conditions or exclusions or deny coverage altogether. Premiums may be higher to account for the increased risk.
Step-by-step explanation:
An insurance company will assess several factors when issuing an individual health insurance policy to someone who has had asthma since childhood. They may consider the severity of the asthma, frequency of asthma attacks, treatments received, and current control of the condition. Based on this information, the insurance company may approve the policy with certain conditions or exclusions or may deny coverage altogether.
For example, the insurance company may offer coverage but exclude asthma-related treatments or medications. They may also charge a higher premium to account for the increased risk associated with pre-existing asthma. It's important for individuals with asthma to disclose their medical history truthfully and explore different insurance options depending on their specific needs.