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wary

dunstonh wrote: »

It depends on whether it got picked up or not by the person reading it. I dont think it will make any difference though as the problem, using the FOS non-disclosure guide, is that if the insurer would never have accepted cover in the first place, then it doesnt matter if the non-disclosure is innocent or not or mentioned by a third party in notes which would be reliant on a third party picking up. If the condition was linked then you would expect it but if its not linked then the person reading the answers from GP may not give the unlinked condition a second thought. Underwriters are not all doctors. There are doctors available for conditions that require a more specialist view but they tend to focus on specialist areas and they may be asked to give an opinion on that area without being aware of other areas.

Typically the questions asked of the GP are focused on a condition and the GP responses are typically focused back in response.

Thanks for the info. I'm asking as someone who has recently taken out life assurance but am now concerned that I may have missed something that could be later used to invalidate the policy, even though it is a non-life-threatening condition or a minor ailment. My insurers have at least obtained a GP "report" to supplement my application form.