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!