So I'm filling out a prequalification questionnaire for life insurance, and it asks: "Major medical conditions? ( ) Yes ( ) No".

What is a "Major Medical Condition"? Is there a list in law, or an insurance-industry standard?

Specifically in Michigan, if that matters.


Under the FMLA:

a serious health condition is an illness, injury, impairment or physical or mental condition that involves inpatient care (defined as an overnight stay in a hospital, hospice or residential medical care facility; any overnight admission to such facilities is an automatic trigger for FMLA eligibility) or continuing treatment by a health care provider

Under this definition > Source (See Pages 19-20)

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A major medical condition is one that could kill you or cause you to become physically or mentally impaired.

  • 2
    Let's see, I have an ingrown toenail. It could become infected with resistant bacteria, leading to gangrene and thence to amputation or death. I need to check "yes" because of this, right?
    – phoog
    Dec 29 '15 at 5:27

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