As a general rule, insurance companies use the so-called "Health Questionnaire". This questionnaire works as a prior instrument for the companies with which to define the risk that is going to be covered.
The Insurance Contract Law establishes that the policyholder has the duty to declare to the insurer all the circumstances known to him “that may influence the assessment of the risk”. Therefore, the health insurance policyholder has the obligation to declare the illnesses that you suffer or have suffered, so that the insurance company values the risk that it is going to assume.
How is the health questionnaire completed?
The insured must answer all the questions indicated in the questionnaire, and in turn, these questions must be clear and not subject to interpretation. Health questionnaires are usually divided into three groups of questions:
- Questions about health habits (questions about tobacco or alcohol use)
- Questions about the medical history (Illnesses that have suffered, surgical interventions….)
- Questions about the current state (Allergies, current treatments...).
What happens if the insured hides some relevant information about his health status?
If the insured lies or hides any relevant information about their health status, the insurer may leave some services without coverage or in some cases may cancel the contracted health insurance.
At Canarisk we advise you on the advantages of taking out health insurance in the Canary Islands. If you wish, you can calculate a quick price in our health insurance comparator
Concentrate your insurance with Canarisk
Concentrate all your insurance in Canarisk and obtain numerous advantages and benefits. Hiring all your insurance in our Insurance Brokerage in Tenerife and Las
We got the best medical insurance in the Canary Islands for you!
If you are looking for private health insurance in Tenerife and Las Palmas, you have come to the right place. Our knowledge of the local market allows us to always offer you,
Guaranteed improvement of your insurance
At Canarisk we are committed to improving any insurance you bring from the competition, under equal conditions and coverage. Your trust in our management deserves this