What do HK insurance health questionnaires ask?

This preparation may suit applicants organising health, medication and lifestyle information against the actual questionnaire. It may not suit those expecting every question to share one look-back period or a “yes” answer to establish the underwriting outcome.

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

This overview explains what to prepare before opening an application. For disclosure duties and VHIS-specific limits, use the health disclosure guide. These are summaries across public examples, not a replacement questionnaire or a list every insurer must use.

• Diagnoses, current symptoms and follow-up: distinguish a past diagnosis from a current problem, symptoms under investigation and continuing review. A diagnosis is not the only information requested. [H1, H2]
• Tests and pending results: prepare test dates, findings and outstanding appointments or results. FWD’s public VHIS appendix distinguishes normal, abnormal, pending and inconclusive investigations. [H1]
• Medication, hospitalisation and procedures: collect prescription and treatment dates, admissions, discharge summaries and outpatient procedure records. Read duration and follow-up conditions separately. [H1, H2]
• Family history: check which relatives, conditions and ages the actual form asks about. Prudential’s group-life example asks about hereditary or familial conditions; it is not an individual VHIS form. [H2]
• Lifestyle and body measurements: expect questions about smoking, alcohol, relevant drug use and hazardous activities. Height and weight can inform BMI assessment; no universal BMI acceptance cutoff is given here. [H1, H2]
• Occupation, travel and residence: prepare actual work duties, work locations, residence and travel pattern. Prudential’s VHIS FAQ identifies these as risk factors beyond medical history. [H3]

No. Treat 2, 5 or 10 years as periods to check against the actual wording, never as an industry-wide limit. The public FWD example combines lifetime diagnosis questions, current conditions and five-year questions about follow-up, medication, hospital stays and investigations. Prudential’s group-life declaration also combines lifetime history with a five-year section. These examples do not establish a universal two-year or ten-year rule. [H1, H2]

An old diagnosis may still be relevant to a question about recent follow-up or ongoing treatment. Mark the period beside each question and check its exceptions. Do not transfer a VHIS questionnaire’s scope to life or critical illness cover; clarify uncertain wording in writing before signing. [H1, H4]

The insurer reviews the answers and may request reports, a supplementary questionnaire or an examination. Prudential’s VHIS FAQ and CTF Life’s public underwriting guidance illustrate these possible decisions. They do not predict an individual result. [H3, H5]

• Standard terms: acceptance without an individual premium loading or case-based exclusion in the offer; ordinary policy exclusions and benefit conditions still apply.
• Loading: acceptance with an additional premium; ask which benefit it applies to.
• Exclusion: acceptance with specified cover removed; loading and exclusions can apply together.
• Postpone: assessment is put on hold; CTF Life gives missing information as an example. Ask what evidence is outstanding and when assessment can resume. This is not acceptance or a promise of later acceptance.
• Decline: the insurer does not accept that application. A different benefit needs its own decision. [H3, H5]

IA warns that material non-disclosure or misrepresentation can result in claim rejection or policy invalidity. An insurer-arranged examination does not replace disclosure. Do not assume an omitted fact is harmless because you believe it is unrelated to the eventual claim. [H4]

HKFI’s published insurance code also sets limits on claim refusal, including information a policyholder could not reasonably have been expected to disclose and misrepresentation that was neither deliberate nor negligent. These are code provisions, not a promise that every omission is excused. Ask for the written grounds and the applicable policy wording if a dispute arises. [H6]

The Consumer Council’s historical medical-insurance review highlights disputes over unclear health questions. Check records rather than relying only on memory, and keep the completed application and written clarifications. This page cannot determine the legal outcome of a particular claim. [H7]

Not for a VHIS certified plan’s renewal. VHIS says certified plans offer guaranteed renewal up to age 100, irrespective of changes in health after the policy starts. That makes the answers given at application the ones that shape the cover, so check them before signing. VHIS plans also carry a 21-day cooling-off period with a full premium refund. Other medical, life and critical illness policies follow their own renewal terms. [H8]

Prepare a dated timeline of symptoms, diagnoses, consultations, tests, medication, hospital stays and follow-up. Separate completed tests from pending results; gather existing reports and doctor or hospital details. Record family history to the extent known and asked, lifestyle use, height, weight, work duties and residence/travel. These are preparation prompts drawn from the public examples, not instructions to obtain new tests. [H1, H2, H3]

Ask the insurer which form version, report dates, translations and secure submission channel it accepts. If you find an error after submitting, request its correction procedure promptly and retain the response. Read the final loading and exclusion wording for each benefit before accepting an offer. [H3, H4, H5]

Does answering yes mean automatic rejection?

No. Further evidence, standard terms, loading, exclusions, postponement or decline are possible. [H3, H5]

Can I omit an old condition if treatment was recent?

Do not decide from the diagnosis date alone. Check the question about recent treatment or follow-up. [H1]

Must I disclose a test whose result has not arrived?

Answer the pending-test question accurately; do not treat an unknown result as normal. [H1]

Can I leave out medication because I feel well?

Feeling well does not answer a medication question. Check the requested period and duration. [H1]

Does every family-history question cover the same relatives?

No universal scope is asserted here. Check the named relationships, conditions and ages on your form. [H2]

Does passing an examination remove the disclosure duty?

No. IA explains that an examination does not replace honest health-history disclosure. [H4]

Should I attach medical reports to a general enquiry?

No. Ask a process question here and confirm a secure document channel separately.

Health conditions and smoking · medical examinations.

Critical illness need hub · medical need hub · health hub · life-stage hub · country guides · trust checks · fulfillment-ratio context. Ask a general process question.

Information only, not advice. Regulated advice and arrangements belong with a licensed Hong Kong intermediary. Mainland visitors must sign in Hong Kong. Do not send identity or medical documents through the general enquiry form.