Mortgage Protection Insurance - how much disclosure?

honeybear

Buying house and need MPI. Looking at the forms and figuring out what needs to be disclosed. I had 2 scans in the last 2 years (thyroid, recommended solely because my sister had issues) & ovaries (irregular periods). Everything all clear - GP knows I like to be sure about my health and recommended scans to reassure me. Anyway, I’m wondering now will it affect my MPI application? I like to be upfront & honest. Should I ring them before filling out form?

peteb2

Not being smart but what ever they ask you disclose.

Fann Linn

If they get in touch with your gp he'll disclose it anyway.

banie01

It's an insurance proposal, full disclosure is an explicit requirement for all such proposals.
In the event that you withold info regarding scans, investigation or diagnosis any one attempting to cash the policy will quickly find the claim refused.

Supply the information requested, their underwriter will review and set a premium.

Tazium

Fann Linn wrote: »

If they get in touch with your gp he'll disclose it anyway.

Are you sure? The insured would have had to give consent for this to be allowed otherwise it would be a breach of confidentiality, doctor/patient privacy, not to mention GDPR. I'm not familiar with the investigative techniques of insurers and how doctors or care-professionals respond to requests. Is there a consent section on the form?

The expectation is on the insured to be honest, as IF an insurer finds upon a claim that something relevant (being something that would alter the decision to insure, or effect the premium) has been purposefully omitted then the insurance is nullified.

OP, your treatments are unlikely to affect your insurance by anything significant. Live happy and best of luck.

peteb2

Tazium wrote:

Are you sure? The insured would have had to give consent for this to be allowed otherwise it would be a breach of confidentiality, doctor/patient privacy, not to mention GDPR. I'm not familiar with the investigative techniques of insurers and how doctors or care-professionals respond to requests. Is there a consent section on the form?

There's a declaration of consent on every application. Don't sign and good luck getting cover

Trish56

You mentioned everything was clear in your scans so nothing to worry about just disclose what you had scans for and mention they were clear.