How long does an insurance company need to approve a medical insurance application?
Question by summerhill: How long does an insurance company need to approve a medical insurance application?
My medical insurance has expired and I've just decided which one to buy next. How long does an insurance company need to approve an application and get it activated??
I have no medical insurance right now so I'm kinda worry because of the swine flu.
Best answer:
Answer by Zarnev
Depending on the company and if they need to get medical records it can take anywhere from 2 days to 6 weeks with an average of about 10 days. If it is a clean application and you have no health conditions 2 to 5 days. If they need to call you to verify something on the application it can take 5 to 10 days. If they need medical records sometimes doctors are very slow in sending those records in so it could take 2 to 6 weeks.
Know better? Leave your own answer in the comments!


June 18th, 2011 - 14:02
You can buy a temporary insurance policy today and it’ll be in effect tonight at 1 minute past midnight.
Then you could apply for a ‘regular’ insurance plan. Some companies can underwrite in as short as 48 hours and others take 4-6 weeks and sometimes longer when they need to get medical records and the doctors’ office(s) are slow to respond.
Work with a broker to get both done so you can do it right. They cost nothing to use. In the interim I have links so you can examine both kinds of policies right on our site.
June 18th, 2011 - 14:07
Typically, it takes three to six weeks. There’s no time limit set by law, except for welfare health insurance, so they CAN take as long as they want.
June 18th, 2011 - 14:51
It can take some time. The determining factor is usually whether or not they need to get your medical records. If they do and your dr’s office is slow, then add about another month to what should usually take 1-2 weeks.
June 18th, 2011 - 15:15
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