Non-disclosure
Failing to disclose material information about your health, history, or occupation at application.
Definition
Non-disclosure (intentional or innocent) at application can give the insurer grounds to decline a claim, void the policy, or apply retroactive exclusions. The duty of disclosure applies to anything a reasonable person would expect to influence the insurer’s decision. NZ’s Financial Services Legislation Amendment Act 2019 and the FMA Conduct of Financial Institutions regime set the consumer-protection framework around insurer duties to ask the right questions — but the policyholder duty to disclose remains.
Related condition matrix
See also
- Pre-existing condition — A health condition you had (or had symptoms of, or sought treatment for) before the policy started.
- Underwriting — The insurer’s assessment of your application before the policy is issued.
Not personalised financial advice. Definitions are editorial framings of how the term is used across NZ life cover. Your specific policy wording is the authoritative source.