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Insurance Statement of Good Health

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INSURANCE STATEMENT OF GOOD HEALTH

Insurer and Policy Information

Insurer Name:   Policy Number:

Certificate/Group Number:   Agent or Broker:

Applicant / Insured Information

Date of Birth:   Sex:   Phone:

Policy Details

Policy Type:   Coverage Amount:

Deductible:   Premium Amount:

Policy Period From:   To:

Health Declaration

The applicant must answer each question below. For each question answered "Yes" provide full details in the space provided, including dates, treating physician(s), diagnosis, treatment, and current status.

1. Within the past 12 months, have you used tobacco, nicotine products, or stopped use within the past 12 months?      

2. Have you ever been diagnosed with, treated for, or currently have: cancer, leukemia, lymphoma, tumor, stroke, heart disease, diabetes, chronic lung disease, kidney disease, or hypertension?      

3. Within the past 5 years, have you had any surgery, hospitalization, or been advised to have tests, diagnostic procedures, or specialist consultation that have not been completed?      

4. Are you currently taking any prescription medication, receiving medical treatment, or under the care of a physician or other health professional?      

5. Do you participate in hazardous activities such as aviation (other than as a fare-paying passenger), scuba diving, motor sports, or professional athletics?      

Height:   Weight:

Provider Phone:   Date of Last Visit:

Beneficiary Information

Primary Beneficiary Name:   Relationship:

Allocation Percentage:

Exclusions, Authorizations, and Notice

I acknowledge that any material misrepresentation or omission of fact in this Statement of Good Health may void coverage, be grounds for rescission, or be used to deny benefits in accordance with the terms of the policy. Coverage is subject to all policy provisions, and this statement is a part of the policy application or certificate file.

I authorize any physician, medical practitioner, hospital, clinic, pharmacy benefit manager, employer, or other organization to release to the insurer or its representatives medical and other information regarding treatments, conditions, or services related to the questions contained in this statement. A photocopy or electronic reproduction of this authorization shall be as valid as the original.

I understand that the insurer may require an examination or additional information before approving any change in coverage or payment of benefits. I understand that falsification or omission of material information may subject me to penalties, including denial of claim or rescission of coverage.

Declaration and Certification

I, the undersigned, declare under penalty of perjury under the laws applicable to the policy that the statements and answers contained herein are complete and true to the best of my knowledge and belief. I understand that this statement will be relied upon by the insurer in determining insurability and the terms of coverage. I agree that this Statement of Good Health becomes part of the policy or certificate and will be binding on all parties with an interest under the policy.

Applicant Name:

By:

Date:

Enter text✕

What the Insurance Statement of Good Health Is and when it’s used

An Insurance Statement of Good Health is a signed declaration by an applicant or policyholder confirming their current health status for underwriting or reinstatement purposes. Insurers commonly request this form to verify there has been no material change in health since a previous application or policy lapse. The statement typically asks about recent diagnoses, treatments, hospitalizations, medications, and tobacco use. When accepted, it can allow expedited underwriting or policy reinstatement without a full medical exam; when discrepancies appear, further medical evidence may be required.

Why a clear statement matters for coverage and processing

A concise, accurate Statement of Good Health speeds underwriting and reduces documentation requests while preserving the insurer’s ability to assess risk. It creates a written record of the insured’s attestation that can be relied on for decisions about reinstatement or policy issuance, subject to applicable consumer disclosure rules and privacy protections.

Why a clear statement matters for coverage and processing

Who completes and who receives this statement

Typical participants include the applicant or policyholder, an insurer underwriter, and the insurer’s medical or risk-assessment team.

  • Policyholders who are seeking policy reinstatement after lapse or non-payment
  • Applicants converting or renewing coverage where the insurer waived a medical exam
  • Insurance agents or brokers submitting attestations on behalf of clients

The form documents the signer's attestation and becomes part of the insurance file; it may affect underwriting, premiums, or coverage eligibility.

Signers and their roles

Policyholder

The individual covered by the policy signs to confirm current health facts; signature binds their statements to the insurance contract and supports underwriting decisions.

Agent or Broker

An agent may help complete and submit the form, but must not alter the applicant’s responses; agent attestations are limited to verifying identity and receipt.

Essential data elements on the form

Full name: Legal name as on ID
Policy number: Insurer policy identifier
Date of birth: MM/DD/YYYY
Recent health changes: Yes/No summary
Signature and date: Signer signature + MM/DD/YYYY
Agent ID (if any): Broker/agent identifier

Consequences of incorrect or false statements

Claim denial: Possible denial for material misstatements
Policy rescission: Policy voided for fraudulent answers
Premium adjustments: Underwriter may raise rates
Criminal exposure: Intentional fraud may carry charges
Delayed processing: Requests for medical records or exams
Legal disputes: Coverage litigation risk increases

Common preparation issues to avoid

  • Incomplete dates or ambiguous formats (e.g., 03-04-21) that delay verification and may require resubmission for MM/DD/YYYY consistency.
  • Vague answers like 'feeling fine' instead of specific diagnoses, treatments, or medication names that force the insurer to request medical records.
  • Mismatched names or policy numbers between the statement and insurer records that require identity verification and slow processing.
  • Agent edits made without signer confirmation, which can create contestability or allegations of unauthorized changes.

Filling out the Insurance Statement of Good Health: step-by-step

Follow these steps in order to complete the statement accurately and reduce processing time.

  • 01
    Gather records: Collect recent medical visits and medication details
  • 02
    Complete fields: Enter full legal name, DOB, policy number
  • 03
    Answer health items: Respond specifically and list dates where applicable
  • 04
    Sign and date: Sign in ink or e-sign using allowed method

Typical online workflow settings when submitting electronically

Configure these settings to align with insurer requirements and maintain an audit trail.

Field Configuration
Authentication Email + optional SMS code
Signature type Electronic signature with timestamp
Document retention Secure storage, audit log enabled
Notification Email copies to signer and agent

Digital signing and platform requirements

Ensure the chosen platform supports required authentication, audit trails, and secure storage for health-related attestations.

  • Authentication: Email plus optional multi-factor
  • Audit trail: Timestamps, IP, action log
  • Storage: Encrypted at rest

For health information, verify HIPAA compliance and that Business Associate Agreements (BAAs) are in place before transmitting or storing protected health data electronically.

How electronic submission typically flows

A standard e-submission route captures signer intent, verifies identity, and archives evidence for underwriting and compliance.

  • Upload: Insurer or agent uploads the statement
  • Assign fields: Place required signature and data fields
  • Authenticate signer: Email link or SMS code verification
  • Archive: Signed PDF plus audit trail stored securely

Comparing eSignature vendors for submitting health attestations

Basic vendor features and pricing vary; the table below summarizes common entry-level capabilities relevant to insurance forms and protected health information handling.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial Varies by plan Varies by plan Varies by plan Varies by plan
Bulk Send Yes (Premium option) Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes (BAA) Yes (BAA) Yes (BAA) No No

Real-world examples of digital attestation workflows

These customer examples illustrate common scenarios where an electronic Statement of Good Health simplified processing.

Fertility Centers of Illinois

A clinic needed signed health attestations for treatment eligibility

  • Used digital forms integrated with patient records to collect consent
  • The team praised secure handling and API flexibility, reducing turnaround time while keeping records compliant.

Martin Properties

A property manager required occupant health attestations for assisted living intake

  • They sent and collected signed statements remotely during move-in
  • The workflow eliminated in-person meetings and maintained an auditable trail for occupancy records.

Practical tips to ensure a valid Statement of Good Health

Follow these practices to reduce disputes and speed insurer acceptance.

Use clear date formats
Always use MM/DD/YYYY for dates and ensure consistency across the form and any attached records to prevent processing delays.
Be specific and factual
List diagnoses, medication names and dates rather than general phrases; specificity reduces the need for supplementary medical records requests.
Preserve the audit trail
When submitting electronically, ensure the platform captures timestamps, IP addresses, and signer authentication details to support validity under ESIGN and UETA.
Verify HIPAA needs
If the statement contains protected health information, confirm the vendor has a BAA and follow the insurer’s PHI handling protocols.

Frequently asked questions about completing and submitting the form

Answers address common legal, procedural, and technical questions about the Insurance Statement of Good Health.


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