Medical Under-Declaration: A Systemic Risk to Insurance Outcomes

The industry challenge we can’t ignore

Medical under-declaration is one of the most pressing, and least understood, challenges facing insurers today. When a customer fails to fully disclose their medical history, the consequences ripple across the entire value chain: claims disputes increase, trust erodes, and most importantly, customers are left exposed at the moment they need protection most.

Drawing on Verisk’s proprietary research, case studies and expert market perspectives, this report explores the true scale of the problem and, critically, what can be done about it. From practical process improvements to behavioural science-led design, it sets out a clear, evidence-based path to mitigating under-declaration and improving outcomes for both insurers and customers.

In the travel sector alone, 87% of insurers say medical under-declaration is a pain point within their business

Download the report to gain insight on:

The driving force behind medical under-declaration

Expert perspectives and practical reforms across the market

Behavioural insights that can reduce under-declaration and strengthen trust

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Medical Under-Declaration:A Systemic Risk to Insurance Outcomes

The industry challenge we can’t ignore

In the travel sector alone, 87% of insurers say medical under-declaration is a pain point within their business

Download the report to gain insight on:

Medical Under-Declaration:
A Systemic Risk to Insurance Outcomes