- Entitlement and access to public health care services
- Medical treatment: consent and withdrawal
- Advance Directives
- Taking care of a mentally incapacitated person: Guardianship or Committee
- Enduring Power of Attorney
- Elder abuse
- Medical negligence
- Medical insurance
- What is a medical insurance?
- Different types of medical insurance
- Common exclusions in medical insurance policies
- Utmost good faith
- Non-disclosure
- Medical evidence requirements
- Important matters to consider before taking out your medical insurance policy
- Practical tips for disputing a medical claim denial by an insurance company
- The Insurance Claims Complaints Bureau
- Questions and answers
- Care by residential care homes for elderly persons
Medical 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 that Ordinance. In particular, the Ordinance requires that insurers explain their need for gathering particular medical evidence before conducting the test. They should notify any person who undergoes medical testing of his or her 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 the insured of the duty of disclosing his/her previous medical records in the policy application. The onus to disclose all his past medical history rests on the insured, even though the insurer arranged the medical examination.
