To hire a health insurance or a life insurance,a medical questionnaire. In each company, these questions are different, since the person asking them is the legal department of each. The question often arises: “Shall I put this on?”. Let's talk about it.
What do insurance companies look for when filling out a medical questionnaire?
Insurance companies have become very serious about medical questionnaires. Where in the past there was a lot of latitude on many issues, because of numerous problems with the insurance fraud and by improving their internal and external audits, they have been tightened these requirements:
- Medical questionnaires are more extensive.
- The budget has been increased for the medical staff who assess the questionnaires.
The logical answer to the question in the title of this article is that we should not lie to the health insurer. However, it should be clear that this is not about reflecting irrelevant issues, or answering questions that are not explicitly asked. Most of the questionnaires asked about diagnosed« diseases.
This means, for example, that if we have a slight discomfort in our ankle and we do not have any tests arranged in the near future, except for explicit questions questioning that very thing, it would not have to be declared.
Different is the person who has problems with diabetes, or immunodeficiency issues, in general, diagnosed illnesses or recent surgeries. All of these should appear in the questionnaire, whenever they are asked about.
Why NOT lie on the medical questionnaire?
We have discussed this with medical officers of many insurance companies. In the health policies, For certain diagnostic tests, surgeries and other issues, we need to have the following information company authorisation.
If we have just issued our policy and, in less than a year or two years, we have to be operated on, the company will talk to the specialist who has advised the operation, to ask about the patient's history.
If the declarations in the medical questionnaire are found to be untrue, the company will not take over the operation. and it could have two consequences for us:
- Imposing a exclusion in insurance in relation to this ailment.
- Cancel the policy directly depending on the seriousness of the undeclared.
It is more serious if we refer to life insurance. If we are covering a capital sum in the event of death or disability and suddenly one of these contingencies occurs:
The company will only pay if, after finding out the reason for what happened and cross-checking the questionnaire, it detects that everything was truthful and without concealment of any medical history.
If not, the problems can be very serious, leading not only to late payment, but also to no payment at all. We have decided to write this article because we read about these issues in the press and we see them on a daily basis, and they are very serious issues.
Our recommendation for the questionnaire
It is best to be honest in the answers to the questionnaire. We then leave it to the brokerage to negotiate with the company to avoid exclusions, as it has more leverage over them.
If you want a brokerage with a close relationship with the insurance companies, to avoid future problems, contact us.. If you want to know more about insurance life or health insurance, We will help you with whatever you need.
