Kent, you don't seem to get it. Or maybe you don't want to.

When you apply for a medical insurance policy, the insurance company REQUIRES you to disclose all existing conditions AND to give access to your medical records. No consent, no insurance.

So if you want insurance, you consent.

Now the doctor is not being unethical when he discloses - he has the patient's consent.

Bobert, it might be wise for you to emigrate to the UK, fast!