So you’re looking to complete your medical history? While it might seem unusual for a financial app, this information is essential if you are seeking advice on personal insurance (like Life, TPD, or Income Protection). You can fill out your Medical History securely in the app.
Why we ask for medical info
If your financial plan includes insurance recommendations, your health history is a major factor in:
- Eligibility: Whether an insurer will offer you cover.
- Cost: Your premium amounts.
- Exclusions: Any specific conditions that might not be covered.
Providing this early allows your adviser to get a “pre-assessment” from insurers, saving you time and potential disappointment later.
How to complete the form
- Open the Medical History form.
- Be thorough: Include details of any major past illnesses, surgeries, or ongoing conditions.
- Include family history: Some insurance policies consider the health history of your immediate family.
- Privacy: Your medical data is handled with the highest level of sensitivity and is only shared with insurers with your explicit consent.
Tips for accuracy
- Check your records: If you’re unsure of dates or specific diagnoses, a quick check with your GP can be helpful.
- Current medications: List any regular medications you are taking.
- Lifestyle factors: Be honest about smoking, alcohol consumption, and any high-risk hobbies.