The insurer needs to know, even if:
- you have recovered and no longer suffer from an illness,
- if there are no symptoms, or
- there are no apparent injuries.
In general, your duty of disclosure stops only once your policy is issued. If you have experienced a medical condition in the time between applying for insurance cover and having that cover implemented, you are still obliged to disclose these relevant facts to the insurer.
Your obligation to providing information stops once your policy has been issued and you have received your policy documents and product disclosure statement (PDS).
You do not need to tell the insurer anything that:
- reduces the risk they insure you for; or
- is common knowledge; or
- they know or should know as an insurer; or
- they waive your duty to tell the about.