Digital records do not change your policy terms
However your medical records are stored, eligibility for an insurance claim depends on your policy. A digital record does not make an excluded condition covered or replace the need for authorisation.
Why an insurer may request information
The insurer may need relevant medical information to assess underwriting or a claim. Ask what is required and use the secure process it specifies.
Keeping the process clear
Keep copies of your policy schedule and authorisation details. Your healthcare provider can explain how to access or correct your records. Do not include medical documents in the first WhatsApp enquiry.