Everything You Ever Wanted to Know About Life Insurance but Were Afraid to Ask

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Life Insurance Q #05: Can Life Insurance Access Medical Records?

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life insurance for students

Your medical records and private documents can only be seen by life insurance companies if you’ve given your approval.

You’re shielded by two acts:

  1. In 1988: the Access to Medical Reports Act (AMRA);
  2. in 2018: the Data Protection Act (DPA).

This is why insurers’ contract mentions that they need your permission to view them.

Only a special few third parties can have access to your medical history without requiring your consent, such as social services, court, police, and the DVLA.

But this is extremely precisely governed.

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