Yes, medical underwriting is required by international healthcare companies when you apply for one of their global plans. If you are applying for an international family health insurance plan, all family members must provide their history. For US citizens familiar with the benefits and protections of the Affordable Care Act (aka Obamacare), take note that it does not apply here. You can be turned down or denied coverage. During the underwriting process, your prospective insurer will review your medical history. It is not overly burdensome, and most providers can complete the process in 3 to 5 business days.