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Will you need a medical?
The answer really depends upon your medical history.
Hot Topics
- If your insurer asks for a higher premium because you are Rated, is it worth applying to another insurance company?
- We do not think so. Why? Read on.
- Can you get a quotation now online?
- No. ClickLife, our Partner for Life Insurance Quotes , take your information online and then phone you back with details of the best policy they can find. They will also give you help to find the polic that suits your needs.
- When Does My Cover Start?
- Once your insurer has accepted your Application, your insurance cover can start straight away.
- What happens If I stop Paying my Premiums?
- Your policy will be automatically cancelled. If this is what you want you need take no action and your insurance cover will cease. You have no commitments to make further payments.
- Can A Claim Be Made If The Policy Is Lost?
- Yes. Simply contact the Insurance Company and they’ll send a “Lost Policy Claim Form”.
From your answers, the Insurance Company will decide whether it requires more information about your health. If the insurer does require more information, they are most likely to write, with your approval, to your GP for further information. Dependent upon your health or what your GP reports, the Insurance Company may also decide that it needs a second opinion or an up to date assessment of your health. If this is the case, they will ask you to have a medical.
A medical can take either of two forms; a short visit to your home by the insurers medical representative or a more, in depth, assessment at Doctors/Consultants consulting rooms. In either case, the whole cost of the medical is met by the Insurance Company.
You should know that the medical report is the property of the Insurance Company and you will not have access to its’ conclusions. However, if anything of concern is identified, the Insurer or Doctor will normally let you know.
Finally, we should remind you that you should always be totally truthful when you complete your Application form. If you do not disclose anything they ask you about, or are “economical with the truth”, then any subsequent claim will be invalidated.
Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -
- Is a medical absolutely necessary?
- Can you get a quotation now online?
- What causes delay and can delays be reduced?
- What correspondence can you expect to receive after your Application has been submitted?
- If your insurer asks for a higher premium because you are Rated, is it worth applying to another insurance company?
- 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




