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Hi can anyone tell me please when we apply for health insurance what it actually entails? Do they check UK records or just go on information we provide 🤷♀️.
Thank you any help and advice appreciated.
They will just go on the information you provide - however, if you need to claim and they find that you had an existing condition that you hadn't declared then they will not pay the claim and cancel your policy with nil refund.
Posted: Fri May 7, 2021 7:12pm
Helpful member
In our experience (from 2018), our insurer accepted the info we provided. They did not request UK health records. My wife has had significant (and expensive) medical treatment in Spain, funded by our insurer.
However, I have heard stories of insurers declining to pay for treatment where (as a result of associated medical attention) undisclosed pre-existing conditions became evident.
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