No Medical Life Insurance

Yes! You can get life insurance without having to take a medical exam or blood test

If your looking to get life insurance cover in place quickly and are in good shape with no pre-existing medical conditions, you may be eligible for cover that requires very little if any medical underwriting. Many insurers will now have a short questionnaire for applicants and if the entry level requirements are met, cover can generally be put in place without the need for further documentation.

Underwriting is done in the event of a claim

It is worth noting though that direct insurers will carry out medical underwriting at the time of claim so it is crucial that you answer all questions accurately to avoid your claim being rejected.

Apply for life insurance with these direct brands - No medical required

What is No Medical Life Insurance?

With no medical life insurance, there is usually minimal medical underwriting for when you apply. Generally, you are required to disclose any details relevant to your health, such as whether or not you smoke and if you have a pre-existing medical condition.

It is important that the information you provide is accurate, so that the insurer is able to determine the most appropriate level of cover for you. In most cases, direct insurance companies approve a direct life insurance application without the need for a medical check-up if you are in good health.

If you have a pre-existing medical condition, you can still apply for cover through a direct insurance provider. However, you may be required to undertake some medical tests so that the insurer is able to further assess your current health condition and determine whether or not they are able to provide cover.

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Types of No Medical Life Insurance in Australia

There are a number of ways you can take out life insurance without undertaking a medical exam. Some options include:

  • Simplified issue life insurance: In this case you don’t need to undergo a medical exam, but you are required to answer some questions about your medical history.
  • Guaranteed issue life insurance: This is also known as guaranteed acceptance life insurance, where you are not asked any health questions and don’t have to complete a medical exam, and you cannot be refused cover.
  • Graded benefit life insurance: is a type of permanent life insurance policy that does not require you to complete any medical questions. This type of cover is usually suited to those who are late middle aged, or older; however, the purchase and payment process can often be more involved. Graded benefit permanent life insurance is no longer offered on the Australian market.
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What Other Types of Life Insurance do not Generally Require a Medical Exam?

Underwriting of life insurance has changed quite significantly over the years in that many retail insurance providers provide cover without the need for medical underwriting if the person presents no significant risk. That is:

  • They don't smoke
  • They are not excessive drinkers
  • They have no pre-existing medical conditions.

If the insured satisfies these conditions an underwriter is generally be happy to continue with the application process without medical underwriting. There are other types of insurance where no medical underwriting is required regardless of the person's condition.

  • Accidental death insurance: As benefit is paid for accident only and not medical complications, medical underwriting is not required.
  • Personal accident insurance: Similar to accidental death, benefit is only payable for injury caused by accident and is not related to medical condition, hence, no medical underwriting is required.
  • Funeral insurance: While some funeral policies will require medical underwriting for some conditions, generally no medical underwriting will be required.

Why is a Medical Exam Required when Applying for Life Insurance or if I Have a Pre-existing Medical Condition?

Medical examination is often required when you apply for life insurance, especially if you are looking to obtain a high level of cover or if you have a pre-existing health condition. Medical exams are often necessary to enable the insurance provider to obtain the most accurate information on your health. Once they have this information at hand, they can decide whether or not to provide cover and if a premium loading is necessary.

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What is a Pre-Existing Medical Condition?

A pre-existing medical condition is generally defined as:

  • A health condition that was diagnosed, investigated or treated
  • Any symptoms that have lead to a diagnosis
  • An event causing the claim to occur.

Source: AIA, 2013

As previously mentioned, medical examination is often required by insurance providers to enable them to uncover any underlying health issues that you may not be aware of and determine the level of risk you carry. For these reasons, they want to know in more detail whether or not the following conditions are relevant to you:

  • Family history: Your insurer will take into consideration your family history and if there are certain hereditary traits or medical conditions that they should be aware of. For example, the insurer may decide to include an additional loading on your premiums if there are two or more deaths in your family under the age of 65 as a result of heart disease and you are showing symptoms of high blood pressure.
  • Smoking habits: If you are a heavy smoker, the insurer will want to know if you are showing signs of any respiratory disease or any other related condition. Even if you have stopped smoking, the insurer may inquire into the reason for quitting, which might be due to medical reasons, such as a recent heart attack or chronic bronchitis.
  • Alcohol consumption: In your application, you will be asked the amount of alcohol that you consume on a weekly basis. Often moderate to heavy drinkers may not provide an accurate or true indication on their level of consumption. Therefore, insurers will generally require a physical medical examination to uncover symptoms that may indicate alcohol abuse, such as:
    • Obesity
    • High blood pressure
    • Finger clubbing
    • Tremor
    • Enlarged liver
    • Pitted nose
    • Digestive disorders
    • Anxiety
  • Specific medical conditions, such as:
    • Heart trouble and high blood pressure: Your insurer will want to know if you are experiencing hypertension and if the condition is being treated at time of application.
    • Chest pains: If you have chest pains, they could be symptoms that are indicating other more serious health issues such as ischaemic heart disease, pericarditis or other conditions.
    • Lung disorders: If you are an asthma sufferer, your life insurance underwriter will require a medical attendant’s report to understand the severity of your condition.
    • Bronchitis: If you have chronic bronchitis, you will be required to go through a medical examination and provide a medical attendant’s report.
    • Chronic indigestion: The underwriter will usually require a medical attendant’s report and sometimes a full medical depending on the severity of your indigestion. This is to ensure that your condition is not caused by an ulcer, which you might have, and how serious it is.
    • Diabetes type 1 or 2: A urine sample is usually taken to be tested for any evidence of sugar. If sugar is manifested on the sample, it will then be used to determine whether or not you have diabetes. There are two types of diabetes - type 1 and type 2. Both types will require the applicant to provide a medical attendant’s report and undertake a medical exam. You will also be required to complete a diabetes questionnaire.
    • Malignant tumours or cancer: The underwriter will ask for any relevant and reliable information on the type of tumour you have, its staging, treatments you undertake, and results of follow-up checks. A medical exam, medical attendant’s report and a questionnaire are to be provided.
    • Kidney, bladder, liver disorders or stones: If you declare any loss of kidney functions, inflammation of gall bladder (including stones), colon and liver issues, you will be required to undertake a medical examination and any other tests if necessary.
    • Hepatitis: Any declaration of hepatitis will prompt the underwriter to request more information. So, a medical attendant’s report, full medical exam, and any other test may be required.
    • Mental illness: Mental diseases are often quite difficult to assess by life insurance underwriters. Therefore, they will require additional information on the treatment, the response to treatment and if there are any attempts of suicide.
    • Epilepsy: Underwriters will require information on the type of epilepsy that you have, the lifestyle and any treatments that you are taking. Epilepsy will generally attract a higher extra loading.
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What Happens in a Medical Exam when Applying for Life Insurance?

Life insurance providers will generally require a blood and urine test. These samples are then used to discover any traces of illnesses that you may be unaware of, which might influence their decision on whether or not to provide you with cover. You may also need to go through a medical test, which can be done at your own GP’s practice or by a medical nurse. The check-up will usually record your height and weight, blood pressure and cholesterol reading.

Additional tests may be required depending on your age and the amount of cover you are applying for. If you are 50 years old and over, you may be required to complete a treadmill test.

A medical exam for life insurance is generally quite straightforward. Your insurer is only looking for signs that may indicate underlying health conditions that could reduce your life expectancy and increase the likelihood of a payout, before enough premiums have been collected from you.

Your samples will be used to test for:

  • The presence of antigens which can indicate HIV.
  • Cholesterol and related lipids.
  • A liver or kidney disorder.
  • Diabetes.
  • Antibodies which indicate hepatitis.
  • Prostate specific antigens which can indicate prostate cancer.
  • Immune disorders.

Your urine sample may also be tested in a routine analysis, as well as being screened for medications, cocaine and other drugs to indicate your lifestyle. Providing blood for the tests can be as simple as a finger prick, or could be done with a needle.

How to Ace Your Medical Exam when Required by Your Life Insurance Provider

The better the results of your medical exam, the lower your premiums and the higher the coverage you can apply for when looking for life insurance. Therefore, look after yourself before the exam to ensure a good result by:

  • Getting a solid full night’s sleep the night before.
  • Not drinking any alcohol at least eight hours before the exam.
  • Avoiding caffeine, including coffee, soda and chocolate at least one hour before the exam.
  • Limiting your salt intake and reducing high cholesterol foods for 24 hours before your exam.
  • Not doing any strenuous activity for 24 hours before the exam.

How can My Medical Exam Results Affect My Life Insurance Premiums?

Based on the results of your medical exam and the information that you have provided on your life insurance application, a life insurance underwriter will then determine whether or not the insurer is able to offer you cover. Insurance underwriters in Australia use a Numerical Rating System, which determines any factors that may influence the applicant’s mortality rates.

Each applicant is given a standard mortality and for every favourable factor, a debit is given, or credit for an unfavourable factor. For example, if the trace of nicotine shows up in your system, regardless of how little you smoke, you will still be considered a smoker and be given a debit as it is recognised as an unfavourable factor.

The total mortality rates as calculated based on the final assessment by the underwriter will determine the premiums you pay and any policy conditions that may be applicable.

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Why You May Want to Consider No Medical Life Insurance

No medical life insurance has a number of benefits over pursuing a standard life insurance application, which you should consider as they relate to your situation:

  • A short approvals process: By the time a standard life insurance policy is assessed, your medical tests are taken and examined and the underwriting process is completed, an application can take four to six weeks. However, if you want cover right away, a no medical life insurance policy can be approved in just days.
  • Guaranteed acceptance: You should consider no medical life insurance if you are unable to get life insurance in any other way because of health complications, pre-existing conditions, your age, your lifestyle or other risk factors. For example, no medical life insurance is often used by people who are preparing for their death because of a terminal illness, and want to use the life insurance benefit for pay for their funeral expenses.
  • No medical: No medical assessment can be good news for a number of people, and not just those with medical conditions which would impact on their eligibility. For example, you may be uncomfortable around doctors or needles, you may not have a family doctor you trust, or you may simply not have the time to undergo a medical.
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No Medical Life Insurance: Frequently Asked Questions (FAQ)

Q. How do life insurance companies check medical history?

  • A. When you apply for life insurance, you are required to complete a small questionnaire on your health. Depending on the type of information that you disclose, your life insurance provider may request additional information on your health through a medical attendant’s report and/or medical exam. It is important to disclose any pre-existing health condition that you may have, so that the insurance provider can better determine if they are able to offer you cover tailored to your needs.

Q. Can you avoid underwriting life insurance?

  • A. Most life insurance applications will go through an underwriting process. Medical underwriting is often necessary when you have a pre-existing health condition to enable the insurer in getting accurate information on your health. Certain types of life insurance with guaranteed acceptance may not go through underwriting. However, the structure of benefits and level of cover are often limited, and often certain exclusions will apply.

Q. Do life insurers check medical history?

  • A. Yes, life insurance providers will check your medical history when it is necessary to do so. Applicants that are generally healthy - that is if they don’t smoke, have very low alcohol consumption, and no pre-existing medical condition, may not be required to undertake a medical exam.

Q. Is no medical exam term life insurance reliable?

  • A. No medical exam life insurance is a reliable and affordable way to obtain cover. It can provide the financial assistance that you require for your loved one should anything happen to you. However, it is important to note that no medical life insurance is often designed to provide basic cover, with simplified benefit structure. Make sure you read the terms and condition to gain a better understanding of what you will or will not be covered for.
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William Eve

Will is a personal finance writer for specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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