Psamathe wrote:the 1st thing (before approving anything) your medical insurance will do is call your GP to check and that your <insert chronic medical condition> is in no way related to your <immediate need>, that you did not declare the unrelated medical condition will provide them reason to void the policy.
I don't understand: why would they call to check your <insert chronic medical condition> is in no way related to your <immediate need>? If you didn't declare the unrelated medical condition, how do they know about it to ask?
Also, surely the GP won't tell them anything with checking your consent, like they ask you before disclosing things to life insurers? After all, it's an insurer who's asking, not even another medical practitioner and definitely not part of the NHS.
Are you sure you understood correctly? But I'd expect a false declaration to catch you out eventually, probably with you being left with a stonking bill when the insurer does find out, so I agree it's a bad idea to fail to declare medical conditions, despite my annoying situation. In addition to the condition I've written about elsewhere and I currently take a cocktail for - which is itself annoying because some insurers ask for number of medications and not what they are - I've also got an apparently-harmless syndrome diagnosed and monitored which would never have been detected without the blood tests for the other!