
Originally Posted by
awesome1
from yahoo answers:
When you apply for insurance you must answer the questions on the application truthfully. You will be asked if you have visited a doctor in the past and if so, what was the reason. If you choose not to disclose this information, that is material misrepresentation.
Now, once you disclose the doctor/hospital/emergency facility or any other treatment you have received, the company will order a copy of the attending physician's statement.
If you don't disclose, the information could possibly show up on the MIB report which is the Medical Information Bureau. It works just like the credit bureaus. If the facility reported your visit to MIB, it can be picked up that way.
If you don't disclose the info on the app and subsequently have a claim, the info can be discovered based on the medical history you have provided to your current physician. If it is later determined you committed material misrepresentation, your claim can be denied, your premiums refunded and a permanent record of it will follow you on MIB.
Source(s):
Owner of an insurance agency and former life/health underwriter. Twenty one years experience.