If you think that you have a medical problem, but have not been to a doctor to have it properly diagnosed, you still much disclose this possible problem on your application. Many people don't even think about buying health insurance until they need it, or have an occurrence that makes them think they might need it. This is not the purpose of insurance. Regardless of the type of insurance, it should be purchased for protection against an unepected event. Getting ill, or having concerning symptoms, should not create the sudden urge to obtain health insurance. If you wait until you need medical insurance, there is a good chance you will either not qualify for it, or could be in risk of falsifying your application. The mere fact that you are concerned about a possible medical problem obligates you to disclose this information to the insurance company with whom you are applying for coverage. If you read the health questions on an application closely, they will usually say something like, Have you had any signs or symptoms, consulted a physician, received medical advice, had treatment recommended, been treated for, been hospitalized for.' The way these questions are asked make you liable for not disclosing your concerns. Many people think that if they have no medical history for the medical condition of concern, or if they have not yet seen a physician, the insurance company will never know that it was a pre-eisting condition for which you were showing symptoms. When you go to the physician to be treated for this condition, the doctor will ask you how long you have been having symptoms. Your response to his question will be part of your medical records. If the insurance company questions whether the claim was a pre-eisting medical condition, they may pull these medical records. If your symptoms started before you applied for the health insurance, you may be denied the claim or even have your coverage rescinded. Is it possible to get away with not mentioning this on your application? Of course it is possible. But, that does not make it ethical or legal, and the risk of losing your medical insurance due to rescission of contract is not worth the risk.'