Many insurance companies no make that all insurance companies request medical history of an applicant upon the submission or interest in an insurance policy. It does not need to be a certain kind of insurance that you are applying for Critical Illness Cover to make them request this information; however it does have to relate to some form of critical illness cover. When applying to an insurance company for you will need to be as honest and as informative about yourself as you can. You should try and remember any medical history that you can. Regardless of how minor you think the ailment is, it may be something very important that the insurance company needs to be made aware of. If you fail to disclose something to a provider that you take a policy out with, you can run the risk of if you ever need to be in a position to submit a claim, that it may possibly be rejected due to non disclosure. This is written in the terms and conditions that you agree to when you incept the policy, so there is no way of getting out of by saying you were not aware of the non disclosure clause. This in a difficult situation can make things a whole lot worse. Hay fever is a minor ailment that some people may not feel the need to disclose on an insurance application. This condition can be confused for being an allergy to various different things when it is….