How Can I Get Insurance without a Health Declaration

It sounds too good to be true, but there are opportunities to join various insurances without a health declaration or with an abbreviated questionnaire. Here are some common ones:

1. Life insurance without a health declaration or just one question – some insurance companies will offer existing clients, who have already filled out a health declaration in the past, to join the life insurance with just one question or without a health declaration at all.

2. Various health coverages including rapid diagnosis, accompanying doctor, complementary medicine and long-term care annex without a health declaration – some insurance companies allow you to join these coverages without a health declaration (usually conditional on the purchase of basic coverage such as coverage for medications that aren't included in the healthcare basket or coverage for compensation for a serious illness).

3. Personalized medication coverage with one question – existing customers with medications that aren't in the healthcare basket can sometimes expand their coverage by filling out a form without a health declaration or with just one question.

4. Workplace collectives – besides the fact that often, especially as you get older, the cost of insurance via a workplace collective is significantly lower in most cases, joining one requires an abbreviated health declaration, and sometimes doesn't require one at all.