5. The insurance company appointed a doctor for my medical check-up before approving my insurance application. That doctor failed to discover a health problem that I did not disclose. Can the insurance company use this non-disclosure to deny any claims I may subsequently make under the insurance policy?

Under the principle of utmost good faith, the insured person or the policyholder has the duty to disclose all the information relating to the purchase of insurance to the insurance company.

Consequently, irrespective of there having been a medical examination conducted by a doctor appointed by the insurance company who failed to diagnose the health problem, that insurance company may still deny your claim. This is particularly so if your non-disclosure is important, and has affected the assessment of your risk profile by the insurance company.