By “sudden illness”, insurers mean every alteration medically recognized to be unexpected and unpredictable and requiring surgery or medical treatment.

The concepts of « suddenness » and « unpredictability » are important because it means that the insured was not aware of the pathology when he signed the contract. To consider the claim in case of an hospitalization or care reimbursement, the insurer might verify that there was no « false declaration » when the contract was signed. If this was the case, the penalty would be that the insurer will not support the claim, and even nullity of contract. For this reason a « medical questionnary » is requested at subscription