May an insurer require medical examination?
For insurance above threshold yes, within Dutch Medical Examinations Act (Wmk). No legally prohibited medical-history questions (HIV, cancer, depression).
Medical examination by insurer = regulated under Dutch Medical Examinations Act (Wmk) + GDPR Art. 9. When IS an examination allowed? Above specific thresholds: incapacity >€38,110/year benefit, death risk >€194,000 benefit, life insurance above threshold. Below those: examination-free. What may insurer ask? Targeted questions for risk assessment — e.g. smoking, BMI, known chronic disease with recent treatment. What is NOT allowed (Wmk Art. 3-5): (1) HIV/AIDS status. (2) Genetic data. (3) Hereditary diseases in family. (4) Untreated or in-treatment depression. (5) Recent cancer (>5 years ago) inquiries. (6) Predisposition research. (7) Additional examination for "small" risks. Medical adviser professional secrecy: examining doctor has professional secrecy — insurer gets only "suitable/unsuitable" or "premium increase X%", not disease details. Right to second opinion + right to non-shared report. On suspected unlawful examination: Kifid complaint + Verbond van Verzekeraars ombudsman + AP complaint (GDPR Art. 9 serious violation). Tip: the Bermuda triangle insurer-doctor-you — always request in writing which questions you must answer + what information goes to insurer.
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