No Medical Exam Life Insurance

Most of the insurance companies on our panel, generally speaking, will not require you to do a medical examination up to a certain level of cover which varies depending on your age. The level of cover required to trigger a medical is often very generous. For example, a 40 year old can get cover up to 2.5 million without the need for a medical.

  • You can take out a policy up until age 79;
  • Once you have a policy you can keep it until age 99;
  • In most cases there is no need for a medical.

If you have an underlying medical condition, in many circumstances you can still avoid a medical by the insurance company requesting a copy of your doctor’s report on the condition. In most circumstances, this will be sufficent.

Life Insurance No Medical Exam - Benefits

A life insurance no medical exam policy has the following benefits:

  • One can buy this life insurance without having to go through an annoying medical exam.
  • This life insurance involves a simpler, less time consuming process. It's usually instant and can be arranged over the phone.
  • There is no need to visit a doctor or wait for a mobile nurse at home in most circumstances.

Are you eligible for life insurance without medical exam?

Please contact us on 1300 793 143 or fill out the form on this page and our consultants will be able to compare 12 life insurance companies to see if you are eligible for a no medical exam life insurance policy.

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Published on December 12-th, 2010 in Life Insurance
Damon Rasheed is the CEO of Rate Detective, an Australian financial service comparison sites specialising in Life Insurance, Income Protection Insurance and home loans. Damon holds a Master's Degree in Economics from the University of Melbourne and has been involved in many start-up internet businesses.

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Important Information

Not all providers in the market are included in the comparison.

Any information or advice contained on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs.

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