Traps! Things You Need to Know about Statement of Health


Statement of health follows a principle: only answer if there are questions. No questions, no answers.

That is to say, if you are asked questions, you should answer truthfully, and if you aren’t asked, you don’t need to answer.  So, whether to inform the insurance company or not has to be decided according to whether the statement of health of the specific product involves or not.

Statement of health is indeed a major cause of denial disputes. However, it is usually unavoidable when getting an insurance.

No matter online or offline sale of insurance, there will be a questionnaire page. For this insurance to be valid, we must answer the questions truthfully based on what we know.



You must first know how to recognize these two traps if you would like a proper statement of health.


Trap #1

As long as you have not been hospitalized, complete the form with “no”!

This is extremely misleading and very likely to lead to adverse consequences. When we encounter a salesperson like this, we do not need to hear any followings.


Don't think that medical records cannot be found besides hospitalization. Insurance companies have many investigation methods. Whether it is inpatient or outpatient, as long as the statement of health asks, it needs to be informed truthfully!

Trap #2

Tell them everything if you are worried about refusal.

Some policyholders are very insecure, therefore would like to tell the insurance company all their medical history, like a cold, a fever, body abrasions, etc., in the past few decades in order to avoid future disputes. Even some "diseases" that have not been diagnosed and are just conjectures are fully informed.

By doing so, it not only increases the workload of the underwriters, but also sometimes affects their normal insurance coverage. 

So here comes the question:

what should we ordinary people do in the face of such a complex statement of health? 


Don't panic! Know these two tricks, and you are afraid of no traps!

Trick #1

Answer only what’s been asked. No questions, no answers.

When concluding an insurance contract, the insurance company asks the insured about the relevant information, and the insured shall truthfully inform it. To put it simply, if the insurance company asks a question, you should answer truthfully; if you aren’t asked, you don’t need any answer.  


Trick #2

Pay attention to the time frame of the inquiry.

Most insurance health advisories ask about medical history for a specific time frame.

For example, there is no need to inform your relevant medical history 13 months ago if you are asked whether there has been any abnormal health check in the past 1 year. But do truthfully tell if you do have checks within this period.

There are also some questions that have a longer time horizon, such as: Has the insured ever been hospitalized for treatment? In this case, whether you were hospitalized last year or 30 years ago, you should tell the truth.

WriterErick Tang