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.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

Hot Topics

Is there a waiting period to receive payment on a Critical Illness claim?
All Critical Illness policies require you to survive a specified number of days following diagnosis in order to have a valid claim. The typical survival period is 28 days but some insurance companies have reduced this to 14 days.
Should you have a “Guaranteed” or a “Reviewable” policy?
When a policy is first started Guaranteed policies have higher premiums than Reviewable policies - but in the longer period Reviewable policies generally work out more expensive.
Why, when you only want Critical Illness cover, should you consider combining it with Life Insurance?
Two good reasons: You are likely to save money! And if you died within the survival period (see below), the claim would still be paid under the terms of your Life Insurance.
Are Critical Illnesses In Pregnancy Covered?
Pregnancy does not affect any claim under critical illness insurance. It would be hard to make a case that pregnancy was a ‘self-inflicted injury’!
Are You Allowed To Continue Working After A Critical Illness Claim?
Once an Insurance company has paid your claim it has no interest how you live your life or what you go on to do.
You may be able to arrange for the medical to take place at your home otherwise you will have to go to the consulting rooms for the Doctor appointed by the insurance company. The insurance company will always try to arrange for their Doctor to see you locally.

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.
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