What verifies the individual's medical history when applying for an insurance policy?

The application form is a crucial document in the insurance policy process because it is where the individual provides detailed information about their medical history. When applying for insurance, applicants are typically required to disclose their health conditions, previous illnesses, surgeries, and any ongoing treatments. This collected information helps the insurance company assess the risk associated with insuring the individual, which in turn influences the premium rates and coverage terms.

In contrast, while the policy agreement outlines the terms and conditions of the insurance coverage, it does not collect or verify medical history information. The health insurance operations guide serves as an internal document for the operations of the insurance company and does not pertain to individual applications. Finally, a claims report comes into play after a claim has been made and reflects the insurance payout process rather than the verification of an applicant's medical history. Thus, the application form is the primary tool used to gather and verify an applicant's medical information during the insurance application process.