Is Lying On Your Medical Insurance Form About Smoking Defrauding Your Company

If you smoke it is not a wise move to lie about it.

Is lying on your medical insurance form about smoking defrauding your company. Insurance companies have ways of finding out whether one has lied or hidden facts on their application form. This gets found out when insurers pay your bills. Firstpost did a dip stick survey and found that nearly 66 6 percent of the respondents said they would lie on their insurance proposal form about their smoking habits. However if an autopsy finds smoking related illnesses the insurer may reject the death benefit and not pay your survivors.

Legal ramifications of lying about smoking to your health insurance provider. Your information is available to insurers so you could be denied health coverage or pay higher premiums because of a trumped up medical record. It s unheard of for insurance to investigate if you smoke but smoking is in your medical records. Insurance companies can also commit fraud by improperly denying a policy holder or health care provider a benefit that is due.

Life insurance companies can challenge paying claims in cases of fraud. If you are a smoker you better not lie about your smoking habit on your insurance proposal form. If an applicant for insurance were to lie about his or her smoking or tobacco use when applying for the life insurance policy and then die within 2 years of the policy s issuance regardless of the cause of death and even if the death was due to something totally unrelated to the matter about which the applicant lied such as in a plane crash the life insurance company could deny the claim and the beneficiaries would not collect anything on the life. Our opinions are our own.

Lying to your insurance company and making false claims can have serious civil and criminal consequences. During the medical tests if the insurance company gets to know that you have lied about nicotine or tobacco use on your application the policy could either be revoked or the insurance company may refuse to pay the claim amount. Your health premiums rise because insurers pass. Most of the time they are checking for cotinine with is a metabolite of nicotine.

Regardless of the type of policy lying on the application can result in you classified as a smoker if the insurer finds out. You may even go your whole life thinking you got away with it. This gets found out when insurers pay your bills. To learn more about his topic see when your insurance company won t cover you.

Your medical record contains false information about illnesses diseases injuries or other problems you never had. Fraud and bad faith. It s unheard of for insurance to investigate if you smoke but smoking is in your medical records. Don t be shocked people do lie.

Some courts have determined that lying about smoking usage to get a lower rate is fraud. Certain types of fraud such as health care fraud are also crimes under federal law. Lying about your smoking on a life insurance application is a material misrepresentation.