Good health declaration

Some simplified products carry no medical questionnaire. Instead the applicant signs a declaration affirming they are in good health and have not had specified recent events — an extended hospitalisation, or a long absence from work through illness.

If you cannot sign it truthfully, you are not being refused; you are on the wrong product, and belong on one that is medically underwritten.

Related terms

• Micro-insurance Small, fixed, low-cost cover designed for low-income households, with simplified underwriting.
• Underwriting The insurer's assessment of the risk you present, which decides the terms and the price.
• Material non-disclosure Failing to reveal something that would have affected the insurer's decision.

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