These people may run into questions regarding their risk of disease. Most insurance forms do not contain any direct questions related to your genetic health. Most insurance forms do not contain any direct questions related to genetic health. However, if a form does have such questions you must answer them truthfully or risk being denied coverage based on fraud, either at the outset, or worse, later, when you try to collect benefits. Even if the application does not contain questions about your genetic health, the company may see this information in your medical records.
Insurers request medical records for about one in five individual applications.
Depending on where you live, you can try to deny the company access to your medical records by refusing to sign the authorization to release your records. However, if you refuse authorization you may not get covered. But if you have something that is pre-symptomatic or predictive, that's not a condition. For example, you shouldn't have to report a positive test for a breast cancer gene mutation unless asked directly. Similarly, you do not have to report a family history of a disease unless the question specifically asks about that disease.