Germany: Errors in Health Records Threaten Disability Insurance Claims

In Germany, insurers for occupational disability and private health policies require applicants to disclose all pre‑existing medical conditions accurately. Errors or omissions in a person's medical record – whether caused by forgotten diagnoses, billing‑only entries, or misunderstandings – can be uncovered when insurers review the original health questionnaire against the applicant's actual health files during a claim.

If discrepancies are found, insurers may deny the claim, rescind the contract, or adjust the policy terms, leaving the insured without expected coverage. Consumers are advised to obtain a complete overview of their medical history from their doctors or insurers before applying, ensuring that all relevant conditions are disclosed truthfully to avoid future disputes.