Misinterpretations in some medical questionnaires and the refusal of claims have made news in recent years.
Insurance companies appear to be cold, calculating entities with no heart and they would probably agree with that assessment. After all they are huge profit driven corporations.
The best way to buy insurance is through a broker. Think of them as financial advisers who specialize in insurance. They want your business and the insurance companies want the broker to choose their products - finding a broker you can work with is vital.
When completing the medical questionnaire, if there are items you feel unsure about insert a 'yes' instead of 'no' and save a copy without submitting it. This way your broker can also open the saved file and you can discuss any doubts, knowing you are both looking at the exact same items before you finalize and submit the questionnaire.
Our broker sent us an online medical questionnaire for our stay in the US south-west for 2017 – 2018. One questions was - “In the last three years have you been diagnosed with or treated for any of the following....” one was “Heart condition” and one of the definitions for treated was “Have you undergone investigative testing for..”.
I had asked for a stress test earlier in the year as I hadn’t had one for thirteen years and I wanted to be pro-active. The results were satisfactory yet I was unsure whether to answer ‘yes’ or ‘no.
Could it be deemed untruthful? The stress test was for cardio – vascular performance - in other words a heart condition and therefore the insurance company assessors might consider it treated and a 'no' answer might deny a claim.
broker suggested another insurance company. She sent the new questionnaire and
it was much clearer and the definitions were not ambiguous so we went with that
The first company questionnaire links the words 'Treatment, Treated' with ‘investigative testing’ then the question uses the word ‘treated’ so there's the problem. The alternative questionnaire makes no such link - no problem. This is why the
alternative insurance company was chosen.