Why should you provide full disclosure on your prior medical record?
You must ensure that you have done your best to provide full disclosure on your prior medical to reduce the possibility of your policy being voided or rescinded later for either a negligent misrepresentation or a fraudulent misrepresentation. In short, in the event of a future claim, the insurer will likely review extensively, whether there is any possibility of avoiding payment on the claim by searching for a misrepresentation on the application.
Was your question answered? Yes
Other Similar Questions
Will my insurer review my prior medical records?
I have borderline personality disorder, and though I haven’t told any of my colleagues or my manager, it is significantly affecting my ability to do my job. I need time to seek help and get back on track. If I make a claim to my insurance benefits, will they disclose my diagnosis to my employer?
Can an insurance company deny a claim based on “material misrepresentation” if the health issue being contested is not related to the illness or injury that has prompted the claim for benefits?
DISABILITY SECRETS: Learn What Your Insurance Company Is Hiding From You!
This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut
off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.