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| If I am diagnosed with a medical problem after my policy has started, do I have to declare that? |
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No, you are only obliged to disclose details of medical conditions that existed at the point you made the application and up to the date the policy actually starts (goes “on risk”). Once the policy has officially commenced any changes to your health are irrelevant and do not have to be disclosed. However you must disclose any changes to your health that occur between the date you make your application and the date cover commences.
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