What are the implications for an insured who participates in clinical trials but fails to notify his insurers of any existing health conditions or potential changes to his health which he discovers as a result?

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Published on: 04 January 2018

The following questions potentially arise:

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has there been an increase in risk which the insured is obliged to disclose during the currency of the policy?
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must the information be disclosed at renewal?
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does it attract the operation of an exclusion for pre-existing conditions?
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has there been any non-disclosure or misrepresentation?

The insured’s state of health may be relevant to a wide variety of insurance policies, including long-term policies (eg life assurance, income protection or critical illness) and short-term policies (eg private medical, accident, or travel insurance). Some policies may be fully underwritten at the outset by means of a detailed proposal form. Others may only require minimal disclosure at inception but exclude cover for pre-existing medical conditions and/or require notification of changes in the insured’s health.

It is therefore difficult to articulate general rules which are universally applicable and the detailed

Jurisdiction(s):

United Kingdom

Key definition:

CI definition

What does CI mean?

Conventional Island: That part of a nuclear plant that does not form part of the nuclear island. The conventional island is sub-divided into the turbine generator (i.e. the plant that converts the nuclear steam into electricity) and everything else that needs to be designed, constructed and tested to complete the conventional island i.e. the balance of conventional island.

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