Can Life Insurance Companies See Your Medical Records? 
If you are applying for a policy with a company that does medical underwriting , and have a health condition for which they need additional information , the insurance company can request to see your medical records . There is usually a HIPAA form included with the application for you to give your permission , and some doctor 's offices require that you sign a separate form for release of your records to the life insurance company . If you do not have a health condition for which extra information is needed , the insurance company will not look at your medical records . That incurs a cost to them , so they only do so if necessary to issue you a fair health rating . 