Medical background information can often be vital to prove veracity (or not) of future claims. Insurers may sometimes ask for a medical history questionnaire to be completed and signed or may write to your Doctor, or ask you to undergo a medical examination. It is essential that you provide all the information required by insurers to avoid future questions or worse, rejection of claims.

If you are unsure, then declare the medical background at the time of application. As noted earlier, not all conditions are covered and some previous illnesses or treatments may be excluded. Insurers may therefore ask for a medical history questionnaire to be completed and signed, or may write to your doctor, or ask you to undergo a medical examination.

Sometimes medical examination is not required. The insurer gives you a Moratorium regarding any pre-existing conditions. These plans are quicker and very simple to take out but caution is necessary when considering what treatment you have had in the past five years and whether or not such conditions may re-occur. Sales people should be asked to clarify Moratorium terms particularly how far back the company considers pre-existing conditions.