What will happen to a claim submitted for a condition not disclosed at the time of application?

When a claim is submitted for a condition not disclosed at the time of application, it typically results in a denial of the claim. This is because insurance policies often include provisions that require full disclosure of medical history during the application process. Failure to disclose relevant information can lead insurers to view the application as misrepresented, which affects the integrity of the contract.

Selecting the option suggesting the claim will be paid and coverage will remain in force ignores the fundamental principle of insurability and risk assessment. Insurance companies rely on accurate data to underwrite policies correctly and manage risk. If a condition was not disclosed initially, it usually leads to the conclusion that the insurer was not adequately informed of the risk they were taking on, which can invalidate the contract's terms. Consequently, the correct understanding is that the claim would be denied due to non-disclosure.