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Private Health Insurance - medical history
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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If you are unsure about specifics or have questions about health insurance or would like a free, same day quotation - then please do get in touch with us by filling out our simple enquiry form.
Read more about Private Health Assurance
- Private Health Insurance
- Who and what is covered
- The cost
- Medical history
- Claiming
Important
Your home may be repossessed if you do not keep up repayments on your mortgage.
Medics Financial Services is a trading name of Global Financial Ltd. Global Financial Limited is an appointed representative of Best Practice IFA Group Limited which is authorised and regulated by the Financial Services Authority. Registered in England, number 922704, registered office as above.
The Financial Services Authority does not regulate some aspects of commercial mortgages.
The Financial Services Authority does not regulate taxation and trust advice.
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
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"I have been receiving very sound, reliable, thorough, unbiased and extremely professional advice for the past eight years. This company has certainly stood the test of time and, without exception, the advice has been spot on. I have observed a seamless journey through developing technology with the resulting consistent top of the range care. I am very grateful for the confidence you inspire in me, and the comfort I now enjoy knowing that my financial affairs are in the best of hands. Thank you!"
Tom Browne MB. FRCS.M.Ch FRCS (Gen), Consultant Vascular Surgeon, Broomfield Hospital
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