I live with diabetes, a heart condition or thalassaemia, or I had cancer: will they insure me, and what does the “right to be forgotten” say?

It can be, but nobody can promise it before assessment. What usually counts is how well it is controlled, whether there are complications (eyes, kidneys, heart) and recent results. The outcome may be an extra premium, an exclusion, a postponement or a refusal; ask in writing for the reason behind any decision.

Either is possible. Well-controlled diabetes without complications is assessed differently from diabetes that is not controlled. Bring your recent results; the insurer decides the outcome.

Often yes, because it shows how well your diabetes has been controlled over recent months. Give the real values from recent tests. If they improve later, ask whether an extra premium can be reviewed.

For the right to be forgotten to apply, 10 years from the end of treatment are needed, or 5 if diagnosed before 21, and life cover of up to €300,000. Before that, you can still apply; the insurer will assess your history and may accept, ask for an extra premium, postpone or refuse.

The legal right to be forgotten concerns life insurance only, not health insurance. In a new health plan, a pre-existing condition is often excluded, permanently or for a set time, depending on the terms. Ask for the exact wording and whether the exclusion can be reviewed.

We cannot give a figure or promise acceptance. Insurers often want some time to pass after a heart event and ask for recent tests; the decision may be a postponement, an extra premium or an exclusion. Ask after how long it is worth applying again.

In a new private health plan, an existing heart condition is often excluded, together with anything related to it. Ask in writing how the exclusion is worded. If you live in Cyprus legally, GESY includes hospital care.

It may, or it may not. The insurer usually asks about the diagnosis, the treatment, how stable you are and whether there were hospital stays, and judges each case on its own. Do not hide it; it is exactly the kind of omission that causes problems later.

Not necessarily. The outcome depends on stability, treatment and history, and can range from cover with terms to postponement or refusal. Even if one insurer says no, ask for the reason in writing; group cover at work may be another route.

Mild, well-controlled asthma often changes little, while severe asthma with hospital stays is assessed more strictly. Declare your medicines and any attacks that needed hospital. The insurer decides the outcome.

Say exactly whether you are a carrier (the trait) or have thalassaemia major, with a doctor’s letter, because medically they are very different. We have no verified information on how each insurer rates it, and nobody can promise acceptance. Ask in writing for the reason behind any decision and any special terms.

A new private health policy will probably exclude the condition and anything related to it, but it may cover other things. Weigh what remains covered against the cost. GESY remains the base for your treatment.

If the application asks about medicines or conditions, yes. Often a well-controlled condition changes little, but an omission can cause problems at claim time. Honesty here costs very little and protects a lot.

GESY covers the medicines on its list; gaps in access to new and innovative medicines have been reported, though. Ask your doctor about your own medicine. A new private policy will probably not cover a condition you already have.

If the question covers that period or asks “have you ever”, yes, with dates and the fact that there is no treatment today. An old, single episode often weighs little. What weighs a lot is an omission that comes to light later.

Each insurer has its own criteria, and we have no verified information on how it is assessed in Cyprus. Bring recent tests that show your treatment and viral load. If you are refused, ask for the reason in writing.

Possibly, with an exclusion for that cancer or for all cancers. The legal right to be forgotten concerns life insurance, so do not rely on it for critical illness cover. Ask for the exact wording of the exclusion.

It may. In life and health insurance, health status and family history may be taken into account. Genetic test results, however, may not be used.

It depends on the policy’s definitions: what counts as illness, how inability to work is proven, and whether there are exclusions. Keep a medical record with dates and symptoms. Ask in writing how a claim would be assessed.

Usually your current weight, together with how stable it is and the history of the surgery. Declare both the surgery and both weights if asked. The insurer decides the outcome.

Not necessarily. A refusal concerns one application, one moment and one insurer’s criteria. Ask for the reason in writing, ask what could change the decision, and if a later application asks about previous refusals, answer honestly.