Private Health Insurance - medical history

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You do not necessarily have to reveal your medical history but some policies might ask you to fill in a form with the details of past illnesses and operations. Others may write to your doctor for more information. Make sure this form is accurate and you've given all the information requested. Otherwise the insurer might not pay your claim.

If you have a medical condition that could recur, the insurer will probably take you on but will normally exclude that condition. With others, you will not be asked about your medical history. Instead, the insurer excludes cover for any medical condition or a related one that existed in the last (usually) five years. These conditions become eligible for cover only when you remain free of symptoms, treatment, tests or medication for that condition for a period after your policy starts. Remember that recurring, incurable symptoms are unlikely to ever be covered because they will always require regular treatment or tests.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

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Private Health Insurance - medical history

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