Yes. Everyone gets asked the same question about recreational drugs
As part of the general underwriting process, insurers ask a standard question about recreational drug use similar to:
- “Have you ever injected, smoked or otherwise taken recreational or non-prescribed drugs, taken any drugs other than medically directed or received advice and/or counselling for excess alcohol consumption from any health professional?”
Past moderate use may result in an increase to an insurance policy premium as would a history of drug-induced psychosis.
Current harder use may result in an automatic decline for a fully underwritten insurance policy. These same questions often don't get asked as part of the application questions for an accidental death or accident income protection policy. Speak with us about this issue further. Either way, that's why you need a specialist at unusualrisks.com.au to handle all that for you.
Speak with us about this issue further. Either way, that's why you need a specialist at unusualrisks.com.au to handle all that for you.