Will I need a medical examination?

Some applications can be assessed from a health questionnaire while others require medical evidence.

What to consider

Requirements may depend on age, coverage amount, your health history and the insurer’s underwriting rules.

Before you proceed

Do not assume that an initial quote means guaranteed acceptance or that a medical exam will be waived.

How to prepare for underwriting

Some applicants may receive an offer based on a questionnaire, while others may be asked for medical reports or examinations. The information required can vary by the amount of cover requested and the insurer's rules.

Answer health questions fully and accurately, including treatment, medication and relevant investigations. Where something is unclear, ask for guidance rather than guessing. An initial premium illustration is not a guarantee of acceptance or final terms.

Read the medical examination FAQ →

General educational information, not an insurance offer or personal recommendation. Eligibility, benefits and exclusions depend on the specific insurer and policy.