[proxy_user]

But that would depend on whether the non-disclosure is material, wouldn’t it?

If they ask you if you ever had an ulcer, and you lie, that invalidates the contract.

If they ask you if you have had any other significant health problems, then the question of which such conditions are ‘significant’, and which are not, would be raised by the insured’s attorney.

[SierraWasp]

No one should be expecting any pre-paid plan, or actual insurance plan to fly blind! Everyone expects the corporation to be ethical with them as insureds and the company has the same right to expect that from applicants/insureds.

It's both "let the buyer beware," AND "let the seller beware" and that's quite justified and fair.

All so-called "Health Insurance" has been run off the tracks by incorrect utilization, politicians trying to buy votes with coverage mandates that ignore actuarial assumptions and economic reality caused by human nature!!!

Now the federal politicians want to buy a majority of American's loyalty with it so one political party can dominate with one party rule!!! It's not going to work in America and will deteriorate almost immediately, even as each segment is phased in!!!