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Will you need a medical if you apply for a critical illness policy?
In order to correctly assess the risk they are being asked to accept an insurance company may require further information from your GP or request that you undergo a medical. In most cases these medicals only take five or ten minutes.
Hot Topics
- What is Critical Illness cover?
- Critical illness cover is an insurance which pays you a tax-free sum of money if you are diagnosed as having a serious,
- How long should you insure for?
- 20 to 25 years is most common but it really depends on how much you can afford and your personal circumstances.
- What decisions will you have to make before you can get a quotation?
- You will have to make four decisions:
- Will Critical Illness policies permit the use of alternative medicines?
- After you have been diagnosed with a qualifying Critical Illness and the claim has been paid you can spend your money however you like. So if you want to spend some of your money on alternative medicines then that’s entirely your choice.
- What is the difference between Critical Illness cover and Terminal Illness cover?
- Critical Illness Insurance is much more comprehensive than Terminal Illness cover. 1 in 5 men and 1 in 6 women suffer a critical illness before their usual retirement age.
An insurance company is most likely to ask for a medical where the sum insured is high or where there are existing health issues.
However, a request to have a medical does not necessarily mean they will increase your premium or that they are concerned about your health. In most cases it is just because you are applying for a level of cover higher than their medical limits.
Your insurance company will always meet the cost of the medical.
Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -
- What conditions are considered critical?
- Can you include your children on a Critical Illness policy?
- How much does Critical Illness cover cost?
- What is the difference between Critical Illness cover and Terminal Illness cover?
- What information do you need to provide to apply for a Critical Illness policy?
- Why are the insurance prices on the Internet so low?
- Is the price you’re quoted, the price you pay?
- Will your premiums increase?
- Is it better to have Guaranteed or Reviewable premiums?
- If you’re asked to supply more information or go for a medical, will the premium increase?
- Will you need a medical?
- Can you get a quotation now online?
- Can life insurance be arranged quickly?
- What correspondence can you expect to receive after your Application has been submitted?
- What other benefits can be added to a critical illness policy ?
- Can the critical illness policy be continued after a claim ?
- What level of critical illness cover could your children get ?
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