One small omission on an insurance form can snowball into a denied claim when you need help most. We dive into the real meaning of disclosure for health-related risk cover, why non-disclosure shows up at claim time, and how to build a simple, future-proof record of your medical history so underwriters see a clear and credible story.We start by stripping away the jargon: disclosure is just your answers to medical and occupation questions, and those answers must align with what’s in your medical notes. You’ll hear a striking case where a specific injury claim for a broken leg ran into trouble due to undisclosed high cholesterol. The Ombudsman ultimately helped get the payout, but the stress was avoidable—and that’s the point. Insurers operate in a competitive market and want to pay credible claims; your job is to make credibility easy by over-disclosing and letting underwriting weigh the risk.From there, we get practical. We share how advisers coach applicants through tricky “ever had” questions, why online DIY forms can miss critical nuance, and what good disclosure looks like from birth to the application date. Parents will pick up simple, time-saving systems: labelled folders for ACC letters and reports, annotated notes on vague form letters, cloud photo archives with searchable tags, and even dedicated email addresses for each child so a complete health timeline is ready at 18. Migrants will learn how to handle overseas medical notes, what immigration medicals do and don’t cover, and how to document gaps honestly when records are hard to retrieve.We wrap with exclusions and loadings—the rules for when they’re applied, and how to get them reviewed or removed. Think practical timelines: twelve months post-surgery with no complications, maintained weight loss with blood pressure and cholesterol evidence, and written criteria from the underwriter so you know exactly what to aim for. Some conditions remain excluded, but many improve with structured follow-up. If you want your future claim paid without drama, start with complete answers now, keep clean records, and plan periodic reviews. Enjoy the conversation, and if it helps, share it with someone who’s filling out a form today. Subscribe, leave a review, and tell us the best record-keeping tip you swear by.Send us a text Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

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