726, it was 3 days before surgery. We all understand you wanted to distort the truth for dramatic effect... but still odious timing.
The larger issue not being discussed is whether a party to a contract has the right to cancel the contract if the other party has fraudulently misrepresented themselves. I am willing to give her the benefit of the doubt, and so did her insurance company after some nudging. These situations would largely be non-existent if the health insurance industry were more like the life insurance industry. On my term life policy, they did underwriting and I filled out a medical history questionnaire. However, the policy also states that if I have forgotten something or even outright fraudulently lied about my health, there is a two year cap from the start of the policy for them to discover any disqualifying statements or falsehoods. After 2 years, they pay out, no matter what. Even suicide.
The moral of the story is don't sign a contract without reading it and agreeing with it. Hopefully, health insurance becomes more like life insurance or car insurance. Every person should also be able to have medical savings accounts, independent of their policy.
