You should disclose all information requested in the proposal form (including any pre-existing medical conditions) fully and truthfully. If material information* is not disclosed, or is falsely disclosed, you or your dependants may not be able to claim the benefits under the DPI. If you are unsure whether the information is material, you are advised to disclose it.
After you submit your application, the insurer will conduct its underwriting. As the terms and benefits of the DPI may change after underwriting, you should consider whether the revised terms and benefits still meet your needs when you receive the policy documents.
*Examples of material information include:
• Whether you are a smoker
• Whether you are currently on any medication or receiving any treatment
• Whether you have any pre-existing medical conditions