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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
- 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.
- What is “Total and Permanent Disability”?
- “Total and Permanent Disability” means that if you are diagnosed with any illness, or have an accident, that totally and permanently prevents you from working, you have a valid claim.
- What information do you need to provide to apply for a Critical Illness policy?
- The Application form will ask questions regarding your height, weight, age, sex, current state of health, occupation, hobbies etc.
- What if you develop another critical illness or have a reoccurrence of a Critical Illness ?
- After a successful claim the insured sum will be paid to you and that ends the policy. There can be no further claims.
- Can you extend or increase your Critical Illness cover at a later date?
- If you have a policy with a renewable option then yes, you can increase, or sometimes extend, your cover. If you do not have a renewable option then you cannot change your cover. These days only a few insurance companies offer policies with a renewable option.
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 ?
- Go to menu of Frequently asked Questions about Mortgage Life Insurance
- Go to menu of Frequently asked Questions about Life Insurance
- Go to menu of Frequently asked Questions about Critical Illness Insurance
- Go to menu of Frequently asked General Questions




