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Life insurance and access to medical records: a guide

Here’s what you need to know about life insurance and medical records, including how to find the details of your medical history.

Here’s what you need to know about life insurance and medical records, including how to find the details of your medical history.

Kamran Altaf
From the Life team
minute read
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Posted 5 DECEMBER 2019

Who can access my medical records?

Under certain circumstances, public bodies such as the police, social services and the DVLA are legally able to access your medical records without your consent. However, insurance providers can only see your medical details if you’ve given them permission.

Where can I get a copy of my records?

You can access your medical records for free, from your local GP practice, opticians or dentists. All healthcare professionals have a legal requirement to let you see your records if you ask them.

Why would a life insurance provider ask to see my medical records?

A life insurance provider could ask to see your medical records to assess the risk involved in offering you a policy. By seeing your medical records, a provider can decide how likely you might be make an insurance claim in the future. As well as your medical records, a provider takes into account a range of factors before they offer you a price for your policy. These include your age, weight and lifestyle – along with the type of life cover you want to take out.

Will my medical records show my pre-existing medical conditions?

Your medical records will show full details of any pre-existing medical conditions. A pre-existing condition can be any illness, injury or disease that exists before or at the time you take out life insurance. Examples include diabetes, strokes and heart attacks. Read our guide to pre-existing medical conditions for more information.

You can still find life cover if you have a pre-existing medical condition, although the premium could be more expensive and therefore might be fewer providers willing to cover you.

Can I get a life insurance policy without an insurance provider seeing my medical records?

You can get life cover without a provider seeing your medical records. In fact, it’s usually the case that a provider won’t ask to see your medical records when you apply for cover. But it’s really important to realise that a provider could refuse to pay out on a claim if it turns out you withheld (or weren’t fully honest about) any details of your medical history, including any pre-existing medical conditions, when you applied for a policy.

Compare life insurance

Having a life insurance policy in place can help protect your loved ones financially, while offering you peace of mind to get on and enjoy life.

There are many different policies available, and the one that works for you will depend on your circumstances. So, it’s good to start with a comparison of deals from a range of providers.

Compare life insurance

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