Life insurance companies can access the records directly from your physician. But they can also get the information from the Medical Information Bureau (more on this below), as well as your prescription records. They use this information to decide if you’re a good risk for insurance.

Do life insurers have access to medical records?

Can life insurance companies access medical records? With your permission, insurers can access your records and they may ask to view them when you apply. But they’ll ask you first and then contact your GP. Life insurance medical records requests are often restricted to specific information.

Can I be denied life insurance because of a pre-existing condition?

A pre-existing condition is a medical condition that has been diagnosed prior to starting insurance coverage. While health insurance companies can no longer refuse to cover treatment or raise rates for pre-existing conditions, no such law exists for life insurance carriers.

Where do life insurance companies get medical information?

Life insurance companies can access the records directly from your physician. But they can also get the information from the Medical Information Bureau (more on this below), as well as your prescription records. They use this information to decide if you’re a good risk for insurance.

Can a life insurance company Pull Your medical records?

HIPAA protects health information released by doctors, hospitals, pharmacies and health plans — it does not apply to life insurance companies. Your medical information is protected under the insurer’s own privacy standards and your state’s privacy laws.

How does a life insurance company check your driving record?

Life insurance companies confirm the details you provide with a few different sources: Driving records. They might pull your driving record from your state department or DMV to check for any recent traffic violations, DUIs/DWIs or reckless driving convictions. Medical Information Bureau (MIB).

What do insurance companies look for in health records?

Insurance companies use your medical records to look at your health history. They are looking for significant health issues you may have had in the past, such as: