If you or your DC have a neuro-divergence diagnosis do you declare it on your life/travel insurance?

[plezzantly]

And if you do, does it put up the cost?

My daughter has Tourette’s and autism

I do declare them both - the only one that has affected cost has been the Tourette’s (she may injure herself when ticcing and need treatment)

No it doesn't.. even the most extreme mental health conditions get at most a 1-2 month stay during a severe episode and low level follow up in the community.

There are always a lot of threads on insurance and health conditions. And someone always says that 'they can check your NHS records'. Is this true? How can anyone check the NHS records of someone else? Are they not confidential?

I haven’t which I’m worried about now I took out my life insurance years ago, I didn’t realise autism should be declared on things like that

@DenialisAriver were you diagnosed at the time? You don't have to update life insurance with new conditions, only if you take out a new policy.

Yes diagnosed as a child 😬

@DenialisAriver ah ok, probably worth running through your paperwork to check, you could call up and let them know, I'm not sure if it'll amend premiums, but better that than paying for a policy that might not pay out?

They can request access, it will be part of the T&C's when you accept the quote.

I list everything, hayfever, eczema, heavy periods - and anything that I have been to the doctor for in the time frame requested .

I always dithering over this question but I do declare it, it then opens another box that asks questions like have you ever cancelled a trip because of your condition etc
I don't think it put prices up(Im pretty sure I compared it with different answers on different laptops at one point ) but probably depends on your answers about how autism impacts you

We declared it for ds a couple of years ago. He was 18 at the time so it brought the cost down.

i guess an 18 year old autistic on holiday with his parents is far less likely to participate in risky behaviour than a NT male 🤣

If you don't and you have a serious accident that costs thousands they're very likely to request your records and if you haven't they can refuse to pay.

I declare it but I also have a health condition which puts my insurance up so I don't know what difference being autistic has made.