Does this mean that an honest person who makes a declaration is penalised?
No, on the contrary, when you are open and honest with your insurance company at the time the policy is bought, they are able to respond by offering terms for additional risks or explaining that their particular policy is unsuitable for your needs. You are then able to book travel secure in the knowledge that should something unforeseen happen which disrupts your plans, you will not get any nasty surprises. If, on the other hand, you choose to conceal significant medical problems and these then flare up or become unstable this will be discovered at the time the claim is made and the claim will probably be rejected.
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