When health insurance quotes are given, the last thing we think about is getting refused coverage, but with the rising cost of health care, comes an increase in health insurance coverage being denied. Health insurance companies exclude individuals for a myriad of reasons, including those with circumstances beyond their control.

Having a preexisting condition is one of the most common ways to be refused coverage. When requesting a health insurance quote, the insurance company makes an assessment of your medical history and they also have access to Medical Information Bureau data, which is a medical credit bureau. This determines if you are a viable candidate for medical coverage or if you will be refused coverage automatically. If you have a history of disease or currently have a disease, you can be refused coverage. Examples of preexisting conditions are pregnancy, asthma, diabetes or any other condition that requires regular medical care. Constant medical care is expensive and since health insurance rates are always rising, this would be a reason you can be refused coverage.

Certain careers and hobbies can make you unsuitable for health insurance coverage. If you are a pilot, flight instructor or coal miner, most health insurance companies view these occupations as dangerous and you can be refused coverage. If you engage in extreme activities such as rock climbing, surfing and scuba diving, there is a great chance of injury and death which places you in the high risk category. These careers and hobbies have a great risk of injury and death and are considered extreme whereas you can be refused coverage. Health insurance companies are businesses that prefer that you don't engage in any high risk activity.

Poor personal behavior can make health insurance companies refuse coverage. If you have a history of drunk driving, substance abuse, or criminal behavior, the health insurance company can try to make sure you are refused coverage. Health insurance companies view this negative and erratic behavior. The health insurance company would view you as a detriment and you will cause the policy to lapse because of your lack of discipline, lack of self control and conducting yourself in an appalling manner in your personal life. The health insurance company doesn't want to be held responsible for poor choices that people make in their own lives which is why an individual would be refused coverage.

Health insurance coverage is vital to our well being and being refused coverage can be unsettling. There are many factors in having coverage denied to you, whether it is medical, work related or personal. Coverage can be denied for any individual, for any reason, whether they are healthy or not.