No Medical Exam Life Insurance

When you applying for life insurance usually you required to take a simple medical exam. If you don't wish to go through the inconvenience of medical tests or you want to get life insurance fast you can opt for a life insurance with no medical exam.

Life Insurance No Medical Exam

For comprehensive life insurance cover most companies in Australia do not offer life insurance without a medical exam. This is because a medical test validates a person's health condition and safeguards the interests of the insurance company. A typical medical examination involves:

• Blood test
• Urine test
• Blood pressure reading
• Height and weight measurement
• Series of questions related to your medical history

These medical tests are designed to identify certain medical conditions, such as high cholesterol, diabetes, hepatitis, kidney disorders, immune disorders and HIV, which can affect the mortality of the person buying the policy.

However, some people find such medical exams inconvenient and strongly dislike going through them. Such people have the option of buying a life insurance no medical exam policy instead.

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.

Life Insurance No Medical Exam - Disadvantages

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

• Typically the sum insured is lower for policies without medical tests than it is for policies with medical evaluation.
• Life Insurance rates applied to policies without medical tests are higher than they are for policies with medical evaluation.

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 advisers will check are you eligible for life insurance without medical exam and if you are - we will compare all major life insurance companies to find you the best no medical exam life insurance in Australia.