What treatments to disclose while filling proposal form as part of porting/migration process?
I am a 27-year-old with a health insurance policy that I have continued without break since 2001. I am thinking of migrating to a higher policy or porting to a new health insurer next year. I am confused about some of the questions being asked in the proposal form and also worried about losing my 8 year moratorium period.
How does one answer vague proposal form questions like "For past 4 years has the person to be insured consulted any physician for treatment or medical investigation or surgical operation?" There are equally vague questions on "mental illness". I have undergone outpatient treatment for food poisoning and many other minor ailments on an outpatient basis, but I do not have a record of that. I am assuming they are only referring to "intensive outpatient care treatments (IOCTs)". The only IOCT that I have availed is one related to Obsessive-Compulsive Disorder (OCD) in 2013 for which I did psychotherapy/counseling, Exposure and Response Prevention (ERP) and Cognitive-biobehavioral Self-Treatment (web link). I recovered almost completely. I have never undergone any hospitalizations.
I recently underwent my first preventive health checkup, which I am going to submit with my current insurer so that they have "proof of good physical health". I will do this every year or two from now on.
I am trying everything possible to ensure that even if my health insurance claim were to get denied in the future, I can still win the lawsuit based on my proposal forms history and preventive health checkup history. These are the only types of documents that will save me in court I believe.