Quote:
Originally Posted by blankall
If you know about a pre-existing condition and fail to disclose theoretically that could result in a decision if insurance, depending on how the disclosure questions are written.
Even if you don't have to disclose the test, your knowledge of the test and failure to disclose could be an issue.
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No, it's specifically a part of applications now that states you don't have to disclose these results from genetic testing. There's a significant difference between purposefully not disclosing a pre-existing condition (actual illness/injury) and a genetic test that might or might not show a predisposition to certain illnesses.
Like I say, at this point in time, they specify that they're not asking and you don't have to disclose these tests. Will that change down the road? Perhaps. My guess is it would come down to selection bias, but I wouldn't know of the timeline.