Which term describes a policy that is rated up due to health conditions?

A policy that is rated up due to health conditions is referred to as a substandard policy. This terminology is used in the insurance industry to indicate that the applicant's health risks are higher than average, leading insurers to charge higher premiums or adjust the policy terms accordingly.

When an applicant has health conditions that may increase their likelihood of filing a claim, the insurer evaluates these factors and typically categorizes the insurance policy as substandard. This means that the insurer considers the potential risks associated with insuring the individual to be greater than those for a standard applicant. As a result, substandard policies usually come with increased premiums to compensate for the additional risk being taken on by the insurer.

In contrast, options like standard, preferred, and general policies represent different classifications of risk. A standard policy is typically issued to individuals who meet the average health criteria, while a preferred policy applies to those who are considered lower risk. General policy is not a specific term used to classify insurance risk in this context.