Life insurance

Medical evidence requirements

In some cases, the insurer may require the policyholder to undergo medical testing before issuing a Medical Insurance Policy.

Medical testing by insurers must be undertaken in accordance with the Personal Data (Privacy) Ordinance. The use, storage and transmission of data obtained by such testing are subject to the Ordinance. In particular, the Ordinance requires that insurer explain the need for gathering particular medical evidence before requiring the applicant to undergo the tests. The insurer should notify applicants who undergo medical testing of their right to be informed of the test results.

It is important to bear in mind that the availability of the medical check-up offered by the prospective insurer should in no way relieve applicants of their duty to disclose their previous medical records in the policy application. The onus to disclose all relevant aspects of one’s medical history rests on the insured, even though the insurer arranges the medical examination.