When you apply for new cover, you need to answer a number of questions about your medical history and current health. And there's a good reason for this.
The information you provide allows the insurer to tailor your cover based on your unique circumstances. On the other hand, failing to disclose something can lead to undesired consequences, like a claim being declined or even future uninsurability.
That's why it's important to disclose everything — from the tiniest and seemingly unimportant detail, through to major medical issues. So, how can you avoid unintentional non-disclosure? Here are some tips from our LifeDirect insurance advisers.
When do you need to disclose?
Disclosure is part of the application process. It's important that you fill out the application form in a comprehensive and truthful way, answering all questions in detail.
Also, if anything changes between when you apply and when the policy starts, make sure you let the insurer know right away. And if you decide to make any changes to your cover in the future — including increasing your sum insured or switching providers — you'll need to disclose anything new that's occurred.
In doubt? Disclose, disclose, disclose
Sometimes it's easy to overlook minor medical events that have happened a long time ago. But even if you're not quite sure if they're relevant, disclosing them is still the way to go.
Remember: not all past or pre-existing medical conditions are necessarily uncoverable. The key thing is to include those in your application, so that it's up to the insurer to decide. They might even choose to cover it, either right off the bat or after a stand-down period.
If you have forgotten to give your insurer some relevant information, you can contact them and disclose those details, even after the policy is in place.
Can't remember your full medical history?
As we said, it can be easy to forget minor issues. To help your memory, consider asking your doctor to provide you with a copy of their medical notes — just in case.
Double-check before signing up
Before signing on the dotted line, it's always a good idea to double-check your insurance application and make sure that everything is accurate to the tee.
Need help with your application?
Like to ensure that your form is complete and relevant documents have been provided? We're here to help. Sure, our quote compare tool is a good place to start, but we're also real people and we're just a phone call away.
Our friendly LifeDirect insurance advisers can assist you with the application process and liaise with the provider on your behalf. Call us on 0800 800 400, start a Live Chat or fill in our contact form to get in touch with our team.
Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.