What health history must I disclose when applying?

Hong Kong Insurance Connect: Answer the actual application questions accurately and clarify uncertain wording before signing. VHIS standardised questions have defined scopes and timeframes; do not assume the same rules apply to every life or critical illness application. Checked on 15 Oct 2026.

Checked on 15 Oct 2026 · Public sources; general information, not advice.

For death-cover questions before applying, read HK term life insurance: cover, renewal and conversion; use it to prepare questions about policy terms rather than choose a policy.

Who might this suit, and who might it not suit?

This preparation may suit applicants checking the exact health questions, relevant records and corrections before signing. It may not suit those seeking one disclosure rule for every policy or treating a medical-history check as confirmation of cover.

These are general situations, not personal advice. A licensed Hong Kong broker compares options individually in a free consultation; separate tax or legal questions need appropriately qualified advice.

Medical cover hub

Is there one disclosure rule for every policy?

IA warns that failure to disclose or misrepresentation of material facts can affect a claim or policy validity. Identify the product, question wording and relevant dates instead of relying on a slogan about unlimited disclosure. Ask the insurer or licensed broker to explain ambiguous questions and record the clarification before you sign. [H1]

What is different about VHIS questions?

The VHIS FAQ explains standardised underwriting questions and their disclosure timeframes. If an insurer does not ask a standardised question, it waives the relevant health information for underwriting. Read the precise scope, including ongoing follow-up: a condition that began before the timeframe can still require disclosure of treatment or follow-up within it. This does not permit inaccurate answers to questions that are asked. [H2]

For conditions you did not know about when applying, VHIS says unknown pre-existing conditions are covered at 25% in the second policy year and 50% in the third, and fully covered after that. This applies to conditions unknown at application, not to answers left out. [H4]

How should I prepare records and corrections?

Use existing consultation, test, medication and follow-up records to check dates against the application. List uncertain answers for written clarification; ask the insurer how to correct an application already submitted. A medical examination does not replace accurate disclosure. This page supplies no medical advice and predicts no underwriting outcome. [H1]

Does a medical-history check settle coverage?

No. VHIS distinguishes underwriting of known conditions from provisions for unknown pre-existing conditions. Ask for written acceptance terms, exclusions and any premium loading. Do not assume a claim will be paid simply because records were submitted, or that the absence of a record removes the duty to answer a relevant question accurately. [H1, H2]

What if a claim is declined for non-disclosure?

Ask the insurer for its final decision in writing, including the application question and answer it relies on. The Insurance Complaints Bureau handles claim complaints of up to HK$1,500,000, counted together across policies when the rejection causes are identical or similar. File within six months from the day the insurer notifies its final decision. [H3]

What do readers ask?

Does an examination replace disclosure?

No. Answer the relevant application questions accurately. [H1]

Can I assume all questions cover my whole life?

No. Read each question’s actual scope and timeframe. [H2]

Does the VHIS rule apply to every critical illness policy?

Do not transfer a VHIS-specific rule to a different application. [H1, H2]

Should I guess when an old diagnosis is unclear?

Check available records and request clarification before signing.

Can disclosure ensure acceptance?

No. Obtain the insurer’s written underwriting terms. [H2]

Can this site retrieve mainland medical records?

No. Ask the insurer what evidence and consent it requires through a secure channel.

Should I upload reports to the enquiry form?

No. Use the form for general questions and confirm a secure document channel separately.

Where can I read more or ask a process question?

How should I prepare for an application medical exam? Thyroid nodules: what does underwriting ask? Country guides Trust checks Historical fulfillment ratios Life-stage hub Health hub Ask a general process question.

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. [H1]

Where are the sources?

Checked on 15 Oct 2026. Public official sources; linked documents remain on their publishers’ sites.

[H1] IA — disclosure, examinations and consequences. https://education.ia.org.hk/en/faq.html
[H2] VHIS — standardised underwriting FAQ; official search extract checked. https://www.vhis.gov.hk/en/info_centre/faqs.html
[H3] Insurance Complaints Bureau — terms of reference: HK$1,500,000 limit and six-month filing period; checked 26 Oct 2026. https://www.icb.org.hk/en/terms_of_reference.html
[H4] VHIS — about the scheme: unknown pre-existing conditions at 25% and 50%; checked 26 Oct 2026. https://www.vhis.gov.hk/en/about_us/scheme.html

What public health and underwriting evidence is available?

Blue Insurance Limited

Blue’s online-application FAQ states that no medical examination is required and applicants must answer all application questions for assessment. This statement concerns the online application described in that FAQ; it does not establish acceptance of any particular health condition.

Public form / guidance: Public form / guidance
Page / section: FAQ; Application; Is medical examination required for purchasing insurance products?
Edition / publication: Unknown; no dated public match established.
Effective date: Unknown; no dated public match established.
Checked: 21 Oct 2026

Which details remain unconfirmed?

Diabetes acceptance criteria remain unknown.
Hypertension acceptance criteria remain unknown.
Thyroid nodule acceptance criteria remain unknown.
Hepatitis B acceptance criteria remain unknown.
Smoking-related acceptance criteria remain unknown.
An exact dated application-exam panel was not established in this review.
The examination tests required for an individual application remain unknown.
Preparation instructions for an individual application examination remain unknown.
Charges for an individual application examination remain unconfirmed.
Acceptance of overseas reports for an individual application remains unconfirmed.
The underwriting decision for an individual application remains unknown.
The processing time for an individual underwriting assessment remains unknown.
An effective date for this public source was not established.
The publication edition of this public source is unknown.
The exact complete health questionnaire for an individual online application is unconfirmed.
Health and examination requirements outside the online application described by this FAQ are unconfirmed.
The procedure for reporting health changes before policy receipt is unconfirmed by this FAQ.

Bupa Global

The public health-disclosure and underwriting form contents remain unconfirmed in this review. The insurer’s public download route was unavailable by direct HTTP. No health questions, examination requirements or acceptance rules are inferred.

Public form / guidance: Public form / guidance
Page / section: Public forms directory; contents unavailable, http-403
Edition / publication: Unknown; no dated public match established.
Effective date: Unknown; no dated public match established.
Checked: 21 Oct 2026

Which details remain unconfirmed?

Diabetes acceptance criteria remain unknown.
Hypertension acceptance criteria remain unknown.
Thyroid nodule acceptance criteria remain unknown.
Hepatitis B acceptance criteria remain unknown.
Smoking-related acceptance criteria remain unknown.
Private age thresholds for application examinations are unavailable.
Private sum-assured thresholds for application examinations are unavailable.
An exact dated application-exam panel was not established in this review.
The examination tests required for an individual application remain unknown.
Preparation instructions for an individual application examination remain unknown.
Charges for an individual application examination remain unconfirmed.
Acceptance of overseas reports for an individual application remains unconfirmed.
The underwriting decision for an individual application remains unknown.
The processing time for an individual underwriting assessment remains unknown.
An effective date for this public form was not established.
The complete initial-application health questionnaire remains unconfirmed.
The exact public health questions remain unconfirmed.
The medical-information authorization wording remains unconfirmed.
The public form edition remains unconfirmed.

China Life Insurance (Overseas) Company Limited

China Life Overseas publishes a supplementary simplified health questionnaire for savings plans. Page 1 asks about specified illnesses, hospitalisation, advised investigations and previous declined or postponed applications. Page 2 requests details for affirmative answers and copies of appointment slips and investigation reports where relevant. The questionnaire does not establish residence eligibility or individual medical-examination thresholds.

Public form / guidance: Public form / guidance
Page / section: Supplementary Information Form — Simplified Health Questionnaire, applicable to saving plan; p. 1 questions 1–4; p. 2 Supplementary Details
Edition / publication: HK-UW-SUPP-SPSIO/202306-01
Effective date: Unknown; no dated public match established.
Checked: 23 Oct 2026

Which details remain unconfirmed?

An exact public counterpart of the Aug 2025 residence guide was not established.
An exact public counterpart of the Jun 2026 clinical guide was not established.
An exact public counterpart of the Aug 2026 high-end guide was not established.
An exact public counterpart of the Mar 2024 residence guide was not established.
An exact public counterpart of the Mar 2024 underwriting annex was not established.
An exact public counterpart of the Nov 2024 underwriting annex was not established.
An exact public counterpart of the Nov 2024 residence guide was not established.
An exact public counterpart of the Feb 2024 high-end guide was not established.
An exact public counterpart of the undated underwriting annex was not established.
An exact public counterpart of the Aug 2025 residence guide revision was not established.
An exact public counterpart of the Aug 2025 underwriting annex revision was not established.
An exact public counterpart of the second Feb 2024 high-end guide lead was not established.
An exact public counterpart of the second Aug 2026 high-end guide lead was not established.
The undated annex’s edition date remains unknown.
Residence-based application eligibility remains unconfirmed.
The evidence requirements of the unmatched underwriting annexes remain unknown.
Clinical underwriting criteria remain unknown.
Age thresholds that trigger an application examination remain unknown.
Sum-assured thresholds that trigger an application examination remain unknown.
Examination tests required for an individual application remain unconfirmed.
The accepted age of medical reports for an individual application remains unconfirmed.
Acceptance of overseas medical reports for an individual application remains unconfirmed.
The underwriting decision for an individual application remains unknown.
The processing time for an individual underwriting assessment remains unknown.
The effective date of this public questionnaire was not established.
Noble Legend residence-based eligibility remain unconfirmed.
Noble Legend age thresholds for medical examinations remain unconfirmed.
Noble Legend sum-assured thresholds for medical examinations remain unconfirmed.
Noble Legend applicability of this simplified questionnaire to an individual application remain unconfirmed.
Noble Pride residence-based eligibility remain unconfirmed.
Noble Pride age thresholds for medical examinations remain unconfirmed.
Noble Pride sum-assured thresholds for medical examinations remain unconfirmed.
Noble Pride applicability of this simplified questionnaire to an individual application remain unconfirmed.
Diabetes acceptance criteria remain unknown.
Hypertension acceptance criteria remain unknown.
Thyroid nodule acceptance criteria remain unknown.
Hepatitis B acceptance criteria remain unknown.
Smoking-related acceptance criteria remain unknown.
The complete health questionnaire for an individual new application remains unconfirmed.
The examination panel required for an individual application remains unconfirmed.
Preparation instructions for an individual application examination remain unknown.
Charges for an individual application examination remain unconfirmed.

Cigna HK

Public form / guidance: Public form / guidance
Page / section: Public forms directory; contents unavailable, connection-error
Edition / publication: Unknown; no dated public match established.
Effective date: Unknown; no dated public match established.
Checked: 21 Oct 2026

Which details remain unconfirmed?

Diabetes acceptance criteria remain unknown.
Hypertension acceptance criteria remain unknown.
Thyroid nodule acceptance criteria remain unknown.
Hepatitis B acceptance criteria remain unknown.
Smoking-related acceptance criteria remain unknown.
Private age thresholds for application examinations are unavailable.
Private sum-assured thresholds for application examinations are unavailable.
An exact dated application-exam panel was not established in this review.
The examination tests required for an individual application remain unknown.
Preparation instructions for an individual application examination remain unknown.
Charges for an individual application examination remain unconfirmed.
Acceptance of overseas reports for an individual application remains unconfirmed.
The underwriting decision for an individual application remains unknown.
The processing time for an individual underwriting assessment remains unknown.
An effective date for this public form was not established.
The complete initial-application health questionnaire remains unconfirmed.
The exact public health questions remain unconfirmed.
The medical-information authorization wording remains unconfirmed.
The public form edition remains unconfirmed.

CPIC Life HK

CPIC Life HK’s public form covers policy coverage changes, including reinstatement and health re-declaration. Its health section asks about smoking, prior insurance decisions, medical conditions, investigations and treatment. It requests condition and treatment details for positive medical answers; reports may be attached if available. The insurer may request additional information and documents. A change requires complete submissions and insurer approval. This servicing form does not establish the complete initial-application health questionnaire.

Public form / guidance: Public form / guidance
Page / section: Request for Change of Policy Coverage; pp. 1–4 and 6; Notes, Section I and Section IV
Edition / publication: PSF003, 2026/07
Effective date: Unknown; no dated public match established.
Checked: 21 Oct 2026

Which details remain unconfirmed?

Diabetes acceptance criteria remain unknown.
Hypertension acceptance criteria remain unknown.
Thyroid nodule acceptance criteria remain unknown.
Hepatitis B acceptance criteria remain unknown.
Smoking-related acceptance criteria remain unknown.
Private age thresholds for application examinations are unavailable.
Private sum-assured thresholds for application examinations are unavailable.
An exact dated application-exam panel was not established in this review.
The examination tests required for an individual application remain unknown.
Preparation instructions for an individual application examination remain unknown.
Charges for an individual application examination remain unconfirmed.
Acceptance of overseas reports for an individual application remains unconfirmed.
The underwriting decision for an individual application remains unknown.
The processing time for an individual underwriting assessment remains unknown.
An effective date for this public form was not established.
The complete individual new-business health questionnaire is not established by this form.

Fubon Life Insurance (Hong Kong) Company Limited

Fubon’s public declaration requires accurate, complete information and reporting material health or application changes before policy receipt. It authorises medical-record access and necessary assessments and tests by Fubon and its appointed providers for underwriting and health review. It refers to telephone sales and does not establish a complete health questionnaire or exam requirements for every channel.

Public form / guidance: Public form / guidance
Page / section: Declaration & Authorization; p. 1 declarations 1–4; p. 2 declaration 11(a)–(b), medical information and examinations
Edition / publication: Unknown; no dated public match established.
Effective date: Unknown; no dated public match established.
Checked: 21 Oct 2026

Which details remain unconfirmed?

Diabetes acceptance criteria remain unknown.
Hypertension acceptance criteria remain unknown.
Thyroid nodule acceptance criteria remain unknown.
Hepatitis B acceptance criteria remain unknown.
Smoking-related acceptance criteria remain unknown.
Private age thresholds for application examinations are unavailable.
Private sum-assured thresholds for application examinations are unavailable.
An exact dated application-exam panel was not established in this review.
The examination tests required for an individual application remain unknown.
Preparation instructions for an individual application examination remain unknown.
Charges for an individual application examination remain unconfirmed.
Acceptance of overseas reports for an individual application remains unconfirmed.
The underwriting decision for an individual application remains unknown.
The processing time for an individual underwriting assessment remains unknown.
An effective date for this public source was not established.
This declaration does not establish the complete health questionnaire for an individual new application.
The publication edition of this public source is unknown.
An exact public counterpart of the Aug 2022 pre-assessment request was not established.
An exact public counterpart of the Feb 2025 laboratory, nurse and examination appointment form was not established.
An exact public counterpart of the Oct 2025 full-underwriting corporate/trust application was not established.
An exact public counterpart of the Oct 2025 full-underwriting individual/joint application was not established.
An exact public counterpart of the Oct 2025 simplified-underwriting corporate/trust application was not established.
An exact public counterpart of the Oct 2025 simplified-underwriting individual/joint application was not established.
An exact public counterpart of the Oct 2025 full-underwriting corporate/trust instructions was not established.
An exact public counterpart of the Oct 2025 full-underwriting individual/joint instructions was not established.
An exact public counterpart of the Oct 2025 simplified-underwriting corporate/trust instructions was not established.
An exact public counterpart of the Oct 2025 simplified-underwriting individual/joint instructions was not established.

Generali Life HK

Public form / guidance: Public form / guidance
Page / section: Public forms directory; contents unavailable, http-403
Edition / publication: Unknown; no dated public match established.
Effective date: Unknown; no dated public match established.
Checked: 21 Oct 2026

Which details remain unconfirmed?

Diabetes acceptance criteria remain unknown.
Hypertension acceptance criteria remain unknown.
Thyroid nodule acceptance criteria remain unknown.
Hepatitis B acceptance criteria remain unknown.
Smoking-related acceptance criteria remain unknown.
Private age thresholds for application examinations are unavailable.
Private sum-assured thresholds for application examinations are unavailable.
An exact dated application-exam panel was not established in this review.
The examination tests required for an individual application remain unknown.
Preparation instructions for an individual application examination remain unknown.
Charges for an individual application examination remain unconfirmed.
Acceptance of overseas reports for an individual application remains unconfirmed.
The underwriting decision for an individual application remains unknown.
The processing time for an individual underwriting assessment remains unknown.
An effective date for this public form was not established.
The complete initial-application health questionnaire remains unconfirmed.
The exact public health questions remain unconfirmed.
The medical-information authorization wording remains unconfirmed.
The public form edition remains unconfirmed.

Which preparation guides can I read?

Insurance by situation · What do you need insurance for?