Need help or want to know more?

Call our expert health insurance advisers and we’ll be happy to help you

0800 0183633

Health Insurance For Individuals
+ Find Out More
Health Insurance For Business
+ Find Out More

Q: Do I need to declare my medical history?

You need to be prepared to declare your medical history so your can be underwritten appropriately.

It is also important to be honest about your medical history with your Chase Templeton adviser, only by gaining a true understanding of your medical history can your adviser recommend the best policy to suit your needs.

Declaring your medical history and underwriting

This is the process by which health insurance providers look at your application and decide what they will cover you for. There are many different forms of underwriting and you may wish to consider the following.

  • If you opt for full medical underwriting (FMU), you will submit a medical application before you take out your policy. You will need to declare previous conditions at this point.
  • If you opt for moratorium underwriting, you only have to submit your medical history when you make a claim. For this type of underwriting, there will usually be a waiting period of between 2 and 5 years when you will need to be symptom, treatment and advice free before you can be covered on your new policy.

What happens if I lie, or just don’t declare my medical history?

Your provider could contest a payout, or even sue to obtain legal costs and lost premiums.

In the case of large claims on the policy (for serious illness), your provider might even investigate your medical history – by contacting your doctor to request medical records.

Still need help?