Are there only certain misrepresentations insurance can deny claims for?

Or can any misrepresentation no matter significance result in denial of a claim. I suppose this is a case of what does ‘significance’ mean. I almost want to say this is decided by ‘common sense’ but I doubt that would hold up legally.

For example I can see why not disclosing serious heart abnormalities would result in denial, but there are other ‘abnormalities’ in fact a plethora of them which aren’t so obviously serious to the common man and going to lead to your death. Some of them could even be called technicalities I suppose.

In my case I’ve been asked if I were treated in a hospital, day clinic, sanatorium etc for mental health issues and depending on the way you interpret it, I either have or haven’t. One of the follow up questions was were you treated as an inpatient at a hospital, day clinic etc and again this just confused things for me.

In an effort to be as specific as possible I detailed what exactly it was I attended. ‘I received NHS talking therapies, where I’d go weekly for about an hours/40mins chat with a therapist’. 1: this doesn’t fall under the definition of ‘inpatient’ because that would be to stay overnight which I didn’t 2: but in contradiction it was at a hospital, but a specific part of the hospital/annex that I’m not even sure would be considered ‘hospital’ (classical typical mental health hospital ward for example). Also the examples given were probably not an extensive list meaning if I were to put NO, something could come along and suddenly YES I have been treated at a such and such.

Of course I do want to be fully truthful but it’s hard to be if I and the insurer could potentially interpret details differently.

submitted by /u/Boostedcroc6
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