Health Insurance Checkup Requirements

Summary

Health insurance companies may request medical checkups for certain policies, but they must handle your medical information confidentially. In New York, insurers cannot use your health data to deny coverage but may use it for premium determination or risk assessment. Always verify specific requirements with your insurance provider.

Full Conversation

Yes, I always believed my health is between my docter and I, otherwise the insurance could use the data to decide if it is worth to provide certain forms of help.
I understand your concern. In New York, health insurance laws generally protect your privacy and require insurers to handle your medical information confidentially. They can’t use your health data to deny you coverage outright but may use it to determine premiums or for risk assessment.
Is there a specific aspect of your medical checkup that you're worried might affect your insurance?