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.
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.
A life insurance no medical exam policy has the following benefits:
A life insurance no medical exam policy has the following disadvantages:
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.
If you are required to do a medical, there are different types of medical exams that are required from different insurance companies. For example, a simple test is a height and weight test. Other tests include
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