If you wish to take out a death insurance, the insurer may ask you to fill out a medical questionnaire.

The purpose of this questionnaire is to allow the insurer to know your health condition well in order to adapt the amount of the contribution to your situation.

Death insurance is a guarantee used to compensate your loved ones in case of death.

She should not be confused with life insurance, which is a savings product.

There is no single model of medical questionnaire, each insurer has the right to ask the questions it deems relevant about your current or past health condition, to assess the risk. But the insurer must act within the law. For example, the law prohibits questions about genetic characteristics.

Insurers often ask you to fill out a simplified questionnaire, and depending on your answers, they may ask you for more detailed information.

The most common questions asked in the simplified questionnaire are, for example:

• What is your body mass index (height to weight ratio)?
• Are you working or not working for medical reasons?
• Do you have a chronic or long-term illness (diabetes, hypertension, etc.)?
• Are you on permanent medical treatment (daily medication)?
• Do you have a medical history (recent surgery, long-term hospitalization, etc.)?

Depending on the answers you give, the insurer may ask you for additional information and may require you to do medical examinations (laboratory tests, cardiological examinations, etc.).

Your answers to the insurer's questions, as well as the results of your analyzes and medical reports, are protected by medical confidentiality.

After reviewing the medical risks you have reported, the insurer may make the following decisions:

• Agree to insure yourself without any special conditions
• Agree to insure, but exclude risks related to the consequences of certain diseases or events
• Agree to insure provided you agree to pay a extra premium
• Refusing to insure

If you intentionally misrepresent yourself by answering the questions, the insurer may seek cancelation of the contract by the court.

But he has to prove you're acting in bad faith.

If the cancelation is ordered by the court, the insurer has the right to keep the premiums you have already paid.

He or she may also charge you for the period up to the date of cancelation of the contract.

If you fail to report certain items or misrepresent them negligently or incorrectly, the consequence depends on whether the situation was discovered before or after a disaster: