How can an insurance (standard life short term) find out about a preexisting condition? I need surgery. I was uninsured when I went to the orthopedic and was planning to go to another Dr. and act like it just happened. Insurance needs your permission to get you medical records so can't I just decline if they ask and since it is an orthopedic issue isn't it more believable that I just injured my shoulder? Also since I wasn't insured they can't get previous records.