Which of the following situations would a medical exam NOT be required for an individual health insurance applicant?

In the context of health insurance underwriting, a medical exam is often deemed unnecessary for individuals who are assessed to be at low risk for significant health issues or complications. An applicant who maintains a very low-risk lifestyle, which may include factors such as not smoking, engaging in regular exercise, and having a balanced diet, typically presents a favorable risk profile for insurers. As a result, insurers may decide that the likelihood of serious health problems arising from this applicant’s current health and lifestyle choices is minimal, negating the need for an extensive medical examination.

This approach allows insurance companies to streamline the underwriting process for individuals who demonstrate low health risks, ultimately making it easier for them to secure coverage and ensuring that resources are focused on applicants who may need closer scrutiny due to higher risk factors.