Substandard (Impaired Risk)

What is Substandard (Impaired Risk)?

Substandard (Impaired Risk) is A risk that cannot meet the normal health requirements of a standard health insurance policy. Protection is provided in consideration of a waiver, a special policy form, or a higher premium charge. Substandard risks may include those persons who engage in certain sports and persons who are rated because of poor habits or morals.


source: –