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?

life insurance for students
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.