Guaranteed issue health insurance is very similar to the guaranteed issue life insurance in the fact that most people because of some reason or the other just cannot find the health insurance and the question is that what to do in case you are denied the medical coverage by a lot of companies which are supposed to given you health insurance but cannot. 

This works well with people who already have some illness or had a illness and the traditional companies will deny the coverage to you. That will leave you without any insurance. Also if you lose the job you can go in for the COBRA or the HIPPA plans but the fact is that 

Guaranteed issue is definitely provided by the job related health insurers but in case you have lost your job or you do not have the job for some intervening period then these guaranteed issue can be a big help and relieve you of big tensions. These can be also for the individual or for the whole family. 

In the guaranteed issue health insurance the are no medical exams as well as no questions asked by the medical insurance in most normal companies the pre-existing medical conditions are not covered. In the case often guaranteed issue health insurance companies will cover the pre existing conditions also based on certain criteria. 

These companies that are the traditional underwrites will deny you coverage based on your past medical conditions and that is where the guaranteed health companies make sure that none will be denied the coverage. These insurance plans are good alternatives to the COBRA, HIPPA and the sate sponsored insurance plans. All these three are generally continuation plans and are very expensive. 

Most of these plans also cover the maternity and also these plans have the graded exposure and graded plans and have the defined benefits built in each plan. That will cover the f or example $3000 for the first day in hospital and $1000 for each subsequent day,. Then comes the other benefits like the co-pay and the PPO network and these are definitely covered by the health companies. 

In terms of illness these cover all the pre existing conditions like cancer, diabetes and any heart diseases. Most of these companies can give you the defined benefit health insurance and that will mean that you can have the certain benefits and nothing above that for example the five doctors visit per year. 

The way this work is that premiums will be generally higher than what you will pay for the general health insurance companies. In case you are searching for these guaranteed coverage then also make sure that you get the rate quotes and the monthly premiums from a variety of guaranteed issue health insurance. Search for the mini medical plans and these are sometimes referred to.