Hospital Stay Protection for William Paterson University of New Jersey Families

How does a mental health diagnosis impact Hospital Indemnity Insurance underwriting in William Paterson University of New Jersey, NJ?

Mild depression or anxiety, on stable medication for over a year with no hospitalization, qualifies for Standard at most A-rated carriers. Severe major depression, bipolar disease, and schizophrenia decline on fully-underwritten products at almost every carrier reviewed. Single suicide attempts more than five years ago typically place at Standard with a small flat extra; multiple attempts decline universally. Mental Health Questionnaire is required for any disclosed psychiatric history.

Consensus position:Mild controlled depression or anxiety with no hospitalization rates Standard at most carriers; severe mood disorders, bipolar disease, schizophrenia, or any psychiatric hospitalization declines or rates table-heavy on fully-underwritten products.