Question

Which of the following situations would a medical exam NOT be required for an individual health insurance applicant?

a) The applicant is over 65 years old
b) The applicant is applying for a high-risk policy
c) The applicant is applying for a basic health insurance plan
d) The applicant is eligible for a guaranteed issue policy

Answer 1

A medical exam is not required for an individual health insurance applicant who is eligible for a guaranteed issue policy, as these do not require medical history or exams for eligibility.

Step-by-step explanation:

The situation in which a medical exam would NOT be required for an individual health insurance applicant is when the applicant is eligible for a guaranteed issue policy.

Guaranteed issue policies do not base eligibility on medical history or a medical exam. In contrast, applicants over 65 would generally be insured by Medicare, which provides health insurance to all those over age 65, but isn't considered individual health insurance.

Applicants for a high-risk policy or a basic health insurance plan may still be required to undergo a medical exam, as these are situations where the insurer typically assesses the individual's risk level before offering coverage.