How do I disclose fatty liver for Hong Kong medical cover?

For a VHIS application, the Health Bureau’s Code says underwriting questions should be specific, relevant and understandable, with a defined enquiry period. Read the actual questions before answering. A practical approach is to compare their wording with your known fatty-liver diagnosis and related records, rather than answer from a general internet description of the condition. [C1]

Use your existing diagnosis, test and follow-up records to check the accuracy of answers within the questions’ scope. If a question is unclear, ask the insurer how to respond before signing. The Code says information collected should be relevant and sufficient, and applicants should have enough time to provide information not immediately available. This is not a universal list of compulsory fatty-liver tests. [C1]

Do not treat an absence of treatment records as permission to answer a diagnosis question inaccurately. The Code requires insurers to explain disclosure obligations and possible consequences of material non-disclosure or misrepresentation. Describe what you actually know and ask how to supply missing information; do not invent a diagnosis, result or follow-up history. [C1]

Ask the insurer to explain its application result and request the explanation in writing. The Code addresses reasons and details for health-related loading, exclusions or refusal, including the scope and temporary or permanent nature of an exclusion. It does not provide a uniform fatty-liver loading rate, laboratory threshold or promise that an exclusion can later be removed. For non-VHIS medical cover, confirm the applicable rules separately. [C1]

Is there a standard fatty-liver acceptance promise?

The cited VHIS Code gives process rules, not a disease-specific acceptance promise. [C1]

Can I ignore the questions because the diagnosis seems minor?

No. Answer the actual questions using your known information. [C1]

Must I order a fixed set of tests for every application?

The Code does not prescribe a universal fatty-liver test checklist. Ask what your application requires. [C1]

What if a follow-up report is not immediately available?

Tell the insurer; the Code calls for sufficient time to provide unavailable information. [C1]

Can I request a written explanation of the result?

Yes. The Code provides for a written explanation upon the applicant’s request. [C1]

Is removal of an exclusion guaranteed?

No such guarantee is established by the cited process rules. Ask about the actual wording. [C1]

What information should the insurer collect for underwriting?

The Code says the personal information collected should be relevant and sufficient for application processing and underwriting. [C1]

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We provide information and referrals to a licensed Hong Kong broker; regulated advice and arrangements belong with that broker. Mainland visitors must sign in Hong Kong. Do not send identity, tax or medical documents through the general enquiry form. [C2]

General information, not advice.