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Evidence of medical history
Medical background information can often be vital
to prove veracity (or not) of future claims. Insurers
may sometimes ask for a medical history questionnaire
to be completed and signed or may write to your Doctor,
or ask you to undergo a medical examination. It is essential
that you provide all the information required by insurers
to avoid future questions or worse, rejection of claims.
If you are unsure, then declare the medical background
at the time of application. As noted earlier, not all
conditions are covered and some previous illnesses or
treatments may be excluded. Insurers may therefore ask
for a medical history questionnaire to be completed
and signed, or may write to your doctor, or ask you
to undergo a medical examination.
Sometimes medical examination is not required. The
insurer gives you a Moratorium regarding any pre-existing
conditions. These plans are quicker and very simple
to take out but caution is necessary when considering
what treatment you have had in the past five years and
whether or not such conditions may re-occur. Sales people
should be asked to clarify Moratorium terms particularly
how far back the company considers pre-existing conditions.
