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Family Health history

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18 Sep, 2021 by  Sri Sri

Hi,

I am planning to take Health insurance for the first time and I have the following querry. Any inputs would be highly appreciated.

1) My mother passed away from a heart ailment when I was 16 yr old (currently I am 34 yrs old). Unfortualrtey, I don't have a clear idea of the exact disease or other specifications. On top of that, all her medical treatment documents got discorded by family members after a few years of her death. So, how should I approach the family health history question in the insurance forms?


Thanks in advance.

Regards

Srikanth


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Health Insurance

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19 Sep, 2021
Kaushik Amrit Raj

Hi Sri,


Good to know you are taking Health Insurance. Appreciate it..


Whenever you purchase HI the agent or the company sales person will ask you about the family history and in the Proposal Form you should explain or mention if they have asked about your parents or family health History.


The best you can do is telling on your own the person who is company representative about your mother and father and coming to your documents part , the Health Insurance company usually don't ask for documents ( in my case they didn't ask anything ) but definitely a disclosure about the same will be good for both the parties and will not give rise to any claim rejection due to the fact that the information about mother health was not disclosed at the time of taking the policy.


It is always a good practice to disclose material information ( information which can affect the underwriting process by insurer ) while taking any policy.


Please talk to the company sales person once before buying and tell him/her about the information as T&C varies from company to company..


Hope it clarifies....


Regards,

Kaushik

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19 Sep, 2021
Sri Sri
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19 Sep, 2021

Hi Sri,


In addition to what Kaushik has recommended, you don't need to worry if you don't have documents to substantiate the family history.


Disclosure is your way to inform insurer about what is known. In most cases, customers don't have past medical records and that is perfectly fair.


Go ahead and buy an insurance policy of your choice without worrying about this issue.

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19 Sep, 2021
Sri Sri
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