What is a health insurance health questionnaire?

The health questionnaire is designed to assess the health status of the individual seeking private health insurance in order to evaluate the insured risk.

Filling out the health questionnaire is an essential procedure in many types of health insurance policies, although it is not always required. It depends on the type of insurance contracted.

The law requires that the person wishing to be included in a health insurance policy must truthfully declare all the questions in the questionnaire provided by the insurer, always before formalizing the policy.

This information is necessary to assess the risk before the contract is signed and to correctly determine the conditions of the policy or the premium amount.

The form is quick and easy to complete. First, you need to fill in basic personal information:

• Full name

• Weight

• Height

• Gender

• Age

Next, the “Data of health interest” must be filled in, which usually includes, among others, the following questions:

• Do you take any medication prescribed by your doctor? (examples: for diabetes, antidepressants, anxiolytics, antihypertensives, diuretics, anti-inflammatory drugs). If so, which ones? Since when? Why?

• Do you suffer or have you suffered from any disease? Heart or vascular disease (examples: hypertension, heart attack, angina, arrhythmia, murmurs, valvular defects)

• Have you applied for or do you have any recognised disability or any type of incapacity due to illness or accident? If yes, indicate the degree of disability, the type of disability and its medical cause.

• Do you consume or have you consumed more than 5 units of alcohol per day? (1 unit = 1 glass of wine, beer or liquor). If yes, please indicate the type of alcoholic beverage consumed and the number of units of alcohol per day.

It’s of utmost importance that you answer the questions honestly and report any important information that may affect your health to help the insurer correctly assess the risk it will cover. Please note that falsely answering any or all of the questions in the questionnaire may result in termination of the contract.

Once filled in and signed, the health questionnaire must be sent to the insurer so that they can decide whether:

• The necessary requirements to formalise the contract or include the insured party in the policy are met. 

• Any conditions or exclusions apply to the policy.

• Or, on the contrary, they deem that the risk to be covered is not feasible and therefore refuse to provide the insurance.

if deemed appropriate based on the responses to the questionnaire, the insurer may request prior medical reports about a particular illness.

If it is proven that an insured person intentionally omitted or falsified data, the insurer may exclude some services covered by the health insurance.

• In severe cases, the insurer could terminate the insurance contract.

The current legislation stipulates that the insurer has the right to terminate the contract by issuing a declaration to the insured if they detect omissions or inaccuracies, with a one-month period from when they become aware of it.

It is possible to contract health insurance without needing to fill out a health questionnaire.

Specifically, it is the Adeslas GO insurance, an outpatient coverage insurance that, due to not covering hospitalisations or surgical interventions, does not require a health questionnaire to be filled in.

All guarantees included in this product can be accessed immediately, except for high-tech diagnostic tools, which have a 3-month waiting period.

And to reduce the monthly fee, there are co-payments, in other words, amounts that are paid separately to access certain services. The co-payment amount depends on the different types of health services and/or medical specialties.

It is an ideal option if you are looking for affordable health insurance, without a questionnaire, and with limited copayments.

This product gives you access to the country’s largest medical directory, with more than 51,000 professionals and more than 1,400 medical centres. And the insurance covers personalised assistance with a wide range of specialties.

• Primary care medicine (general medicine, paediatrics and nursing services).

• Medical specialties.

• Diagnostic media (including high-tech ones).

• Preparation for childbirth.

• Podiatry.

• IUD (includes placement and device).

• Prenatal Cell-Free DNA Screening.

• Annual medical check-up (with co-payment).

• Speech therapy.