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What information do I need to provide to ensure I am covered?

Different insurers will ask a variety of questions although many use the same medical screening system. However, it is a good idea to make sure that you have your full medical history to hand when applying for a quote. For example, you may be asked to declare the following:

  • Respiratory conditions (relating to the lungs or breathing)
  • Any heart, circulatory, kidney, liver, any condition relating to the pancreas e.g. diabetes, cerebral condition (relating to the brain)
  • Any stroke or central nervous system disorder
  • Any cancer that has been diagnosed or treated

My advice is to make sure that you tell the insurer everything – don’t hold anything back!

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