Evidence of Insurability

In insurance, the term evidence of insurability refers to all data which can be used to determine the level of risk which you pose to an insurance provider.

Evidence of insurability may include your medical history, driving history, and information about your lifestyle, occupation and habits. It may also include data which has been harvested from electronic devices or purchased from third-party data harvesting and information service providers.

In Switzerland, life insurance providers are legally allowed to ask applicants if they have ever taken DNA tests when they apply for life insurance policies with a face value of 400,000 Swiss francs or more. If applicants have taken DNA tests, life insurance providers have the right to request the results of these tests as evidence of insurability, and may deny applications if this information is not provided. The same applies to disability insurance policies which guarantee disability insurance pensions higher than 40,000 francs per year.

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