Insurance companies will ask you to present information on your medical history before finalizing your plan. It is important to be as accurate and upfront as possible, as misdeclaration could be used as reason not to process your claims. In general, if you are unsure of whether or not to give certain information, err on the side of caution and declare it anyway. Some companies will ask you to fill out a form, but instead of asking for details on your medical history, they will just issue a moratorium. This means that coverage will not include medical conditions which you have had for the last five years. Since insurance companies have different guidelines and procedures for moratoriums, always ask for printed information on how it works and clarify its contents with the sales representative.
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