BPP,
Good points. One thing though, in most cases if you are going be reviewed for possible coverage by a new insurance carrier, they will request in the application that you GRANT THEM THE RIGHT to review your current records. If you dont' - they will reject you in many cases.
So yeah, no one has the right to review your records without your consent. But many insurance companies will not grant you insurance (remember, private medical coverage is not a "right" or entitlement) unless you grant that consent.
Again, an exception will be if you are coming into a new "group" plan, and the plan holder (large compoany) has SO much clout due to their numbers that the insurance company will just accept almost anyone.
Even THEN, they may still reject coverage of anyspeic problem due to a "pre-existing condition" exepmtion. So even if you get medcial coverage, if something bad does happen, THEN they go back and review earlier records again (I have seen this happen to people) trying to find a way to call it "pre-existing". And if they can not only show THAT, but show in ANY way that YOU may have been At Cause (like you decided to take AS), then you are screwed for coverage.