Janette, diagnosed with epilepsy, has which of the following responsibilities regarding her insurance?

Janette has a responsibility to disclose her epilepsy to her insurer because this condition is deemed relevant information that could affect the insurer's decision on whether to provide coverage, as well as the terms of that coverage. In insurance, there is a principle known as utmost good faith or "uberrima fides," which requires both parties—insurer and insured—to act honestly and disclose all material facts. Since epilepsy can influence risk assessment—whether it affects premiums, policy terms, or eligibility for certain types of coverage—failing to disclose this information could be considered misrepresentation or non-disclosure, which can lead to claims being denied in the future.

Other options present misunderstandings of the duty of disclosure. For instance, stating that there is no duty if diagnosed after the policy inception ignores the fact that an insured person's current health status and pre-existing conditions must be disclosed regardless of when the diagnosis occurred. Holding that the disclosure is optional disregards the obligations under the duty of utmost good faith, which necessitates informing the insurer of any relevant conditions. Similarly, suggesting that disclosure is only needed if directed by her GP neglects the insurer's independent need for all pertinent information to adequately assess risk.