In the UK, insurance underwriters evaluating life, health, or specialized travel policies can theoretically request access to your complete medical history through the Access to Medical Reports Act 1988, which often spans your entire lifetime or as far back as your GP holds records. However, when assessing pre-existing medical conditions for travel or critical illness coverage, insurers typically focus closely on the preceding two to five years regarding specific chronic illnesses, hospital admissions, surgeries, or medication changes.
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