Which term refers to statements related to a person's physical condition affecting their insurance application?

The term that refers to statements related to a person's physical condition affecting their insurance application is "evidence of insurability." This concept involves the information and documentation that an applicant provides to an insurance company to demonstrate their health status and fitness for insurance coverage. Insurers use this evidence to assess the risk of providing coverage and to determine appropriate premiums.

Evidence of insurability typically includes various health-related data that can range from a brief health questionnaire to detailed medical examinations. Such information helps insurers make informed underwriting decisions, ensuring they can appropriately price the insurance policy based on the applicant's health risks.

Other terms like disclosure requirements and health declaration might imply the responsibility of applicants to reveal their health status, but they do not specifically encapsulate the comprehensive nature of physical condition assessments in the application. Medical history, while relevant, more broadly refers to an individual's past health conditions and treatments rather than the specific act of providing credible evidence for insurability.