How Long Does It Take to Get Approved for Health Insurance Coverage?

Getting approved for a health insurance policy can be a lengthy process, but it doesn't have to be. Depending on the type of policy you're applying for, the time it takes to get approved can vary. If you're applying for major health insurance, the process can take about three weeks. Once you've signed up and made your first payment, your request will be processed and, if you applied in the first two weeks of the month, your coverage will usually begin on the first day of the following month.

For international health insurance, the process is surprisingly fast. Once our advisors receive your request (medical questionnaire), they will start processing it directly with the insurer. This usually takes two to five business days. Companies like BUPA, Allianz, Now Health and CIGNA are known for their speedy processing times, which usually only take two days. You may also qualify for a special enrollment period if your situation changes.

This could include getting married, having a baby or losing health coverage. This allows you to enroll in health insurance outside of the annual open enrollment period. The Children's Health Insurance Program (CHIP) is an insurance program that provides low-cost health coverage to children from families that earn too much money to qualify for Medicaid but not enough to buy private insurance. The Medicaid program is an insurance program that provides free or low-cost medical coverage to certain individuals, families and children with low incomes, pregnant women, the elderly and people with disabilities. No matter what type of health insurance policy you're applying for, it's important to understand how long it will take to get approved. Knowing this information can help you plan ahead and make sure you have the coverage you need when you need it.

Lucy Anderson
Lucy Anderson

Friendly bacon ninja. Passionate zombie scholar. Friendly twitter fan. Evil music buff. Infuriatingly humble social media evangelist.

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