What are Material facts?
Material facts
Material facts or representations are factual information that is relevant to determine your premium and extent of coverage.
GOOD TO KNOW
Travel health insurers rely on the principle of good faith in return for coverage since they do not closely review all applications or medical questionnaires at the time of purchase. To receive the coverage you paid for, you must disclose all facts relating to your health status. The factual statements are not warranties – if the information you provide is false, you are not liable, but your coverage will be voided.
IMPORTANT
If facts are omitted or the information provided is false or inaccurate (even by mistake), the contract between you and the insurer automatically changes – it becomes void or coverage for your medical expenses are reduced.
ASK BEFORE YOU BUY
Contact the insurance provider if you are unsure about what is being asked or what information you need to provide on the application form or medical questionnaire. If you are not getting clear answers, ask to speak to a manager. If you are still unsatisfied, look for coverage elsewhere.
Learn more in IAMAT’s Guide to Travel Health Insurance