Life insurance and medical records !!

Quentin

You asked how you should answer a question in your application (as I quoted)


The answer is "yes" to that question (in view of what you also posted and is quoted!)

dunstonh

The question should be answered to correctly as it is asked. So, in this case you say yes. There is usually a bit you can provide additional information. After that, it is in the hands of the insurer as to how they will treat it.

what should I say? If I say no, which is true

Its not true. You did have high blood pressure. Saying no would be a lie.

ACG

When you answer yes to the question, they will ask when and what the reading was. They will also likely ask if you have had it checked since and the leatest reading.

I would be surprised if a one off reading was high if it would be an issue. I was being checked for high blood pressure last year. They put me on a monitor for 24 hours. It was higher in the Drs surgery than it was an hour later and every hour thereafter. Mine was on the high side but nothing to cause any concerns.

There is normally a tick box or something on the application that allows you the opportunity to see the form before it is sent off. It can delay things as it sits in the receptionists office until you have been to view it but it is possible.

skintpaul

Onus is on person applying to disclose stuff.. If something comes up during a later claim, Ins Co quite rightly may decline to pay..

premiums are offered based on info recd.. should a policy get setup with info declared etc, and you then get something else, the ins co takes the hit.

Bond,James_Bond

There is a fundamental principle in insurance/assurance which, in legal Latin terms, is "uberrima fides" - quite literally "in the utmost good faith". As Skintpaul says it is up to you to disclose anything that a reasonable underwriter might consider relevant; a good rule of thumb is "if you are unsure as to whether it may be relevant or not, then disclose it." better to give too much information ( some of which may not be relevant) and have the cover properly established, than to give too little information and have the possibility of a claim being repudiated

Quentin

Bond,James_Bond wrote: »

There is a fundamental principle in insurance/assurance which, in legal Latin terms, is "uberrima fides" - quite literally "in the utmost good faith". As Skintpaul says it is up to you to disclose anything that a reasonable underwriter might consider relevant.....

No it isn't!


It's up to the insurer to ask the questions. It's not down to the customer to guess what is and isn't "relevant", and supply any information that is not requested or asked about.


But in the case of the OP's answer to the question on high blood pressure is concerned it is clear - he needs to answer "yes"!

Bond,James_Bond

Quentin wrote: »

No it isn't!


It's up to the insurer to ask the questions. It's not down to the customer to guess what is and isn't "relevant", and supply any information that is not requested or asked about.


But in the case of the OP's answer to the question on high blood pressure is concerned it is clear - he needs to answer "yes"!

Sorry still disagree:

DEFINITION of 'Uberrimae Fidei Contract'

A legal agreement requiring the highest standard good faith. "Uberrimae fidei" or "uberrima fides" is Latin for "utmost good faith." Insurance contracts are the most common type of uberrimae fidei contract. Because the insurance company agrees to share the risk of loss with the policyholder, it is imperative that the policyholder act in good faith by fully disclosing all information that affects the insurance company's level of risk

Aretnap

You're several years out of date. The common law principle that an insurance contract is one of utmost good faith was scrapped (at least as far as consumer contracts go) by the Consumer Insurance (Disclosure and Representations) Act 2012 and replaced with a simple duty to take reasonable care not to make a misrepresentation to an insurer. This means that there is a duty to answer the questions actually posed - but no duty to volunteer information which the insurer doesn't ask about.

In practice the principle of utmost good faith had already been eroded by industry regulations and codes of practice well before the law actually changed - it is obviously unreasonable to expect the average consumer to second guess what an underwriter might or might not see as relevant to the level of risk, and the Financial Ombudsman already applied the rule that an insurer could only refuse a claim for non-disclosure if the non-disclosure related to a question which had actually been put to the customer.

(Not that any of this is relevant to the OP of course, as he has been asked about his blood pressure)

Quentin

Bond,James_Bond wrote: »

Sorry still disagree:

Maybe you do, however you are wrong and misleading others! (don't know where you got your red ink quote from as you didn't tell us - maybe you wrote it yourself??, but as you have been told it's way out of date)

rs65

Aretnap wrote: »

You're several years out of date. The common law principle that an insurance contract is one of utmost good faith was scrapped (at least as far as consumer contracts go) by the Consumer Insurance (Disclosure and Representations) Act 2012 and replaced with a simple duty to take reasonable care not to make a misrepresentation to an insurer.

Again, not strictly relevant to the OP but I believe insurance contracts are still contracts of utmost good faith. The Consumer Insurance Act amended the duty of disclosure under the Marine Insurance Act but did not do away with the 1906 act or utmost good faith.