Short answer
The GSI policies I'm talking about overlook pre-existing conditions and hazardous activities. So if you enjoy rock climbing or scuba diving or jumping out of airplanes, or you have some bumps or bruises in your health file, a GSI is a wonderful option to consider. Not every GSI is the same, though. Some have pre-existing conditions clauses.
A short clip from his webinar for residents and fellows, with captions.
Watch the full webinar from 15:10Who a GSI suits
These policies overlook pre-existing conditions and hazardous activities. If you have anything in your health file, or you enjoy rock climbing or scuba diving or jumping out of airplanes, or you simply don't want to give an insurance company access to your medical records, then a GSI would be a wonderful option to consider.
When answering the health questions makes sense
On the flip side, if you're clean as a whistle, and the only thing in your medical records is a well visit and a flu shot, you may be able to get a wider scope of coverage by answering the health questions.
Not every GSI is the same
The Guardian GSI has no pre-existing conditions wording. But some GSI policies do have pre-existing conditions clauses that may not be disclosed by the insurance professionals selling them, so be on the lookout for that.
Check before you apply anywhere else
If you apply for a medically underwritten policy before taking advantage of a GSI policy, you have likely disqualified your eligibility. So find out whether a GSI is available where you're training first.
Where Jay covers this
Jump to each moment in his webinars.