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.