How long does it take for a health insurance application to be approved?
The time for health insurance application approval varies based on the type of plan.
For *Guaranteed Issue* and *Guaranteed Acceptance* plans, your coverage becomes effective on the 1st of the next month after both the application and payment are received.
For *Medically Underwritten* plans, your coverage will be effective on the 1st of the next month after the application is approved (subject to medical qualification) and payment is received. These plans can take longer to approve because the insurance company needs to obtain and review records from your attending physician(s). On average, this process takes about 3 weeks but may take longer if there are difficulties in obtaining medical records.
For *Guaranteed Issue* and *Guaranteed Acceptance* plans, your coverage becomes effective on the 1st of the next month after both the application and payment are received.
For *Medically Underwritten* plans, your coverage will be effective on the 1st of the next month after the application is approved (subject to medical qualification) and payment is received. These plans can take longer to approve because the insurance company needs to obtain and review records from your attending physician(s). On average, this process takes about 3 weeks but may take longer if there are difficulties in obtaining medical records.