When applying for basic health insurance, no questions about your health condition must be answered. Every insurance company must admit you to their basic insurance programme - no questions asked.
When applying for a supplementary insurance, the health insurance companies are allowed to ask questions about your health condition.
The insurer may object to applications for supplementary health insurance either indefinitely or for a certain period of time if they find the applicant too high a health risk. For the policyholder, this means that he/she has no right to claim coverage for the ailment for which the insurer denies him/her supplementary insurance. Insurers may also reject applications without stating a reason.
Providers of supplementary health insurance may also object to coverage at any time, should they discover that the application included either false or incomplete information.