Will I need to provide details of my health?
The question 'will I need to provide details of my health' can be answered in different ways depending on the way in which your insurance provider accepts your application. In some cases you will have to provide details of your health and then the insurance provider will check these details with your General Practitioner, whilst in other cases you will not have to provide details, though no medical conditions that existed in the last five years will be covered. So generally it should be noted that you are unlikely to be covered for an illness that you are already suffering from, or have had recently as this is what is known as a pre-existing condition.
However, this does not mean that you will need to go through a medical exam to receive your health insurance – but you will need to be truthful if you are required to provide details.
Situation 1: You must provide details of your medical history:
- In this case you will be given a form to fill out in which you will be asked for details concerning your medical history.
- If you are not sure if you are supposed to mention something the best advice would be to declare it anyway to be on the safe side. After all, if the insurance company feels that you were not truthful in filling out the form then it might question future claims which, clearly, is a situation that anyone would want to avoid.
If there are any conditions that are likely to return then that is unlikely to be covered, along with any conditions or ailments that are related to it. However, the insurance company will still issue a policy and in some cases the pre-existing condition could be covered further down the line.
Situation 2: Moratorium:
- In this case the form will not ask you to give details concerning your medical history. However, in this case the insurance company will not cover conditions that have existed, or have previously existed, in the last five years (this time scale could vary).
- In some cases cover for these pre-existing conditions could become available further down the line, for example if you do not seek treatment in two years. However, some forms treatment/conditions will never be eligible for cover.
- In the case of the above, you should always seek medical advice if you need it, rather than putting it off so that you can claim for it down the line.