What is a Life Insurance Medical Exam?

To obtain a life insurance policy, you may need to attend a medical examination at a health care centre the health insurance chooses.  You will probably have to answer questions during the medical examination process. Below are questions people usually ask when undergoing a medical examination.

Life Insurance QuoteIs it Required to have a Medical Examination to Obtain Life Insurance?

Not all insurance company’s policies need a medical examination it all depend also on your age and the amount of life cover you are wanting to take out. Wanting a policy for a smaller amount would mean an examination may not be needed.

Medical Examination, Where and who Performs them?

The insurance company will request a professional to undertake your medical examination. These experts who are independent can actually travel to your own home or if not an option they’ll make an appointment at a local clinic. You will not pay for the tests wherever it takes place.

What’s involved with a Medical Examination?

After you’ve completed a medical history form that the insurance company uses to give you a ballpark figure for your monthly fee, you will still need to provide your medical history.

An examiner will take your:

  • height
  • weight
  • blood pressure
  • pulse
  • a urine sample
  • a blood sample (with a needle or by pricking your finger)

to name the basics.

Medical Examination? Why?

The insurance companies need you to complete a medical examination to determine how much of a risk you are to them if the give you life cover. If you are at high risk or your tests show signs of problems (greater the risk), your monthly premium rates will be higher.

What do they test for?

  • Kidney or liver disorder
  • Hepatitis antibodies
  • HIV & immune disorders
  • Nicotine and other drugs
  • Cholesterol
  • Diabetes

My Medical Exam, what should I do before I go?

You can’t do anything prior to the medical examination to be seen fitter or less risk, but the steps below may help achieve slightly better results.

  • A good nights sleep before the test
  • Avoid alcohol 48 hours before your medical examination
  • Avoid drinking tea, coffee 24 hours before the test
  • Avoid physical activities 24 hours before the test (cycling, lifting heavy weights, running)


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