Filling in the health declaration takes a quarter of an hour - if you sit down to it prepared. This guide brings together what's worth preparing, what to look up, and what to pay attention to while filling it in, so the declaration is accurate, complete, and unchallengeable the first time round. The stakes aren't small: a good declaration significantly reduces the chance of a dispute over the payout.
- Prepare in advance: your medication list, recent test results, discharge summaries, the names of your treating doctors - and your EESZT (the Hungarian national eHealth record) access.
- Look up the exact diagnoses and years - "something happened at some point" is the wrong answer.
- Fill it in in one sitting, in calm conditions - and keep a copy for yourself too.
Documents and data to prepare
- Your current medication list: active ingredient, dosage, and how long you've been taking it.
- Recent check-up results for any chronic condition, and your treating doctor's contact details.
- Hospital discharge summaries and surgical reports - with the years of the major events.
- Access to EESZT (eeszt.gov.hu): useful for looking up test results, diagnoses and years recorded since late 2017 - for private care, typically from 2020 onward; for older events, or ones never entered into the system, you'll need to contact your treating doctor or the care provider.
- Basic figures: height, weight, blood pressure readings - if you know them.
While filling it in: the rules of accuracy
- Read the question word for word: the time period (e.g. "in the last 5 years") and the scope (e.g. "a treated condition") are part of the question.
- Write facts, not your own rating: diagnosis, year, treatment - "minor" is not a medical category.
- For the smoking questions, e-cigarettes and heated tobacco products can count too - answer according to the definition given.
- Sport, occupation: disclose the activities you're asked about together with how often you actually do them: details.
- If a question isn't clear, ask - as your broker, I can help you interpret it, while the content of your answer goes directly to the insurer.
The most common mistakes - headed off in advance
The typical slip-ups - a skipped field, a rounded-off year, a forgotten medication, "that was a long time ago, it doesn't matter" - have their own article: common mistakes when filling it in. Every one of them can be avoided with the list above and ten minutes of looking things up.
After filling it in
Keep a copy of the declaration together with your policy - years later, it will be worth its weight in gold if you ever need to recall anything. If your health changes between signing and the start of cover, say so: the duty of disclosure applies to that period too. The rest of the process: how underwriting works.
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