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Can simply taking a test such as a blood pressure test or mammogram lead to a denial of claims?

April 26, 2017blood pressure denial lead mammogram taking Test

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Can simply taking a test such as a blood pressure test or mammogram lead to a denial of claims?

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• Tests that are part of a routine health check that result in no indication of a health problem will have no bearing on a claim. • Tests may also be undertaken because of a known health issue and may be used to verify the extent of the health condition. If these tests are not disclosed by the borrower in the application, this could lead to coverage being void. • The health question is intended to help identify borrowers who meet the health criteria to be provided with immediate coverage. It is also intended to identify borrowers who have health conditions or concerns (for example, being treated for a disease) so that they can go through more thorough underwriting. • Health questions must be answered truthfully and completely, as failure to do so may result in coverage being void.