Sounds like private health insurance. Initial form questions like "tell us if you have ever been to hospital for anything serious?", you're thinking "I'm not s

Sounds like private health insurance. Initial form questions like "tell us if you have ever been to hospital for anything serious?", you're thinking "I'm not sure if that time I dropped in to the GP 5 years ago with a headache counts as serious [same for other things that seem trivial over the years, just being sensible]". You phone the insurer to check, they say "oh there's no need to put that down, it's not meant for trivial things, you'd have to write an essay in a small box if we meant literally anything conceivable; don't worry about it". You couldn't possibly hope to remember every tiny thing over the years anyway, unless you had access to your various written medical records held by various parties. 10 years of premium payments later you make a claim because you now have MS, you need support and treatment, a brain scan confirms physical issues, and..... "your policy is invalid because you didn't tell us about that time you went in about a headache 15 years ago". They still keep the 10 years of premiums though. You take them to court. Your lawyer mentions that this is extremely common practice by health insurance companies. They don't provide you with any way to confirm if your policy is valid until you make a claim, then it's too late. You did what you thought you were supposed to do. The lawyer says most people who then take the insurer to court are unable to prove they were misled, and the insurer keeps the premiums you paid despite not providing any actual insurance. Don't ask me how I know.