What is typically a requirement for obtaining major medical insurance?

Obtaining major medical insurance often requires a basic health assessment to capture essential information about the applicant's medical history and current health status. This assessment allows insurance companies to evaluate risks associated with providing coverage and helps determine premium rates or eligibility. It ensures that the insurer has a comprehensive understanding of any pre-existing conditions or potential health risks that could affect the policyholder's needs.

While other factors such as income verification or employment status might be relevant in some contexts, they are not universally established requirements for obtaining major medical insurance. The focus on a basic health assessment directly relates to the insurance provider's need to mitigate risk and tailor their policies accordingly, making it the most relevant requirement in this context.