The Sanitas medical questionnaire
What the health questions ask, when in the process they are asked, why accuracy matters, and what happens if you are unsure how a question applies to your history.
Health questions come at application stage, not at quote.
Asking for a quote involves no medical or health information at all. The quote form does not ask for it, and you should not put any into it — including in the free-text box. Health questions belong to the application itself, where Sanitas uses them to assess the application.
That separation is deliberate. It means you can find out what is available to you, and roughly what it will cost, before disclosing anything about your health.
The shape of the questionnaire.
Each person being insured answers for themselves. The questions cover current and past health rather than anything about your visa, your finances or your reasons for moving.
An unanswered question is not a “no”.
Answer accurately. The policy conditions are explicit that the agreement is made on the basis of the declarations in the questionnaire, and that an inaccurate or omitted declaration gives the insurer rights it would not otherwise have. That is the practical reason to take time over it, not a warning about your particular history.
Declaring a condition does not automatically mean it cannot be insured. Sanitas assesses each application on its own underwriting, and the pre-existing conditions page explains how that process works. If something in your history is complicated, ask us before you start — we can go through what a question is actually asking.
Where your answers go
Health answers form part of the application to Sanitas. They are not published, and nothing medical belongs in the quote form or the contact form. Our privacy policy sets out how application data is handled.
Before and after the questionnaire.
Before: what to have ready and how applying works. Around it: pre-existing conditions and entry ages, both of which are assessed on your intended start date. After: checking your certificate before it goes into your visa file.
Ask before you start, if something is complicated
Tell us who needs cover and when you expect the policy to begin. We’ll prepare a personalised quote — no medical questions at that stage — and explain the next step.
Phone, WhatsApp and email all reach the same advisers — see the contact page.