How do insurers check medical records?
The insurer will ask for your written consent. If you agree, your doctor will then provide only the records that relate to your life insurance application. It's possible your insurer will ask for access to your entire medical record. If they do, you'll need to make a subject access request to get all the information.
Can Life Insurance Access Medical Records UK?
With your permission, insurers can access your records and they may ask to view them when you apply. But they'll ask you first and then contact your GP.
Can insurance companies check your medical records UK?
You're protected by two acts: the Access to Medical Reports Act (1988) and the Data Protection Act (2018), which is why insurers need your permission to view them. Only a select few third parties, such as the police, courts, social services and the DVLA can access your medical history without needing your consent.
How far back do insurance companies check medical records UK?
A life insurance medical records request usually focuses on the past five to ten years. The insurer wants to find out if you recently had illnesses or treatments. They'll also want to know if you've been clear of any illnesses for a couple of years. The insurer may also look for information on your general health.
Who has access to my medical records UK?
Can anyone else see my records? Your health records are confidential. The NHS shouldn't show your health records to anyone without your consent. Unless they share information with other NHS or social care staff members who are involved in your care.
Do insurance companies have access to medical history?
While this may sound good, when you wish to make an insurance claim, insurance companies will be able to access your medical records. Nevertheless, they are unable to directly access it. Instead, you will be required to ask for the Medical Report Office or doctor to fill in an insurance form on your behalf.