Can Life Insurance Companies See Your Medical Records? 
Canlife insurance companies see your medical records ? Yes , but only with your permission . That said , your permission is part of the application process . Insurance companies with your consent , can check with your doctor for chart notes and use the MIB to check your medical history . Think of the MIB as similar to credit history except for health care . One thing to be aware of is even the non-exam companies still check your medical history . You can find plans that do n't search medical history or do labs , and they will insure you , but you 'll find their pricing to be up in the range where they charge for poor health to begin with . 