A common cause of unintentional non-disclosure is the issue is how ordinary folk and insurers have different perceptions of the threshold for disclosure. Anand Srinivasan has this excellent article, aimed at clients and potential clients, that highlights the situation clearly with this example:
“Do you suffer from high cholesterol?” Most people on an online application, with no one to guide them or caution them, will answer “No” if they are not on medication. Theoretically right, but technically wrong.
I typically rephrase the question for people. It really should be: “Did the doctor ever ask you to exercise and diet to bring down your cholesterol?” Many would respond yes, even if they think they are okay because the doctor said cholesterol was under a certain limit and did not prescribe any meds.