![]() Can I get life cover if a medical condition runs in my family? If you’ve provided inaccurate information, an insurer has the right to invalidate your policy. Can a life insurance company cancel your policy if you get sick?Īs long as you supply full and accurate information in your original application, and pay your premiums when due, your life insurance cover will remain in force for the duration of your policy. If a medical report is requested, you will be notified, and will have 21 days to arrange a consultation with your doctor to review it, if you wish. Remember, your insurance company needs your consent before they can request a medical report from your doctor. Sometimes a medical report from your doctor may be required. Any medication you take as well as the date you started.Information on how it affects your everyday life, such as absences from work.The severity and regularity of your symptoms.Details about any hospital admissions and any specialist referrals.If you give details of a health condition, you may need to provide more information such as: In order to work out your premiums and decide if cover can be offered with a particular pre-existing condition, or without the need for a medical exam, simply complete a life insurance application and answer the medical questions you’re asked. What information will I need to give to my insurer? However, every applicant is assessed on an individual basis, and even if you were unable to get cover for a particular condition, there are many illnesses covered by Critical Illness Cover in certain circumstances – including many types of cancer, heart attack and stroke. Some pre-existing conditions would mean we would be unable to offer Critical Illness, where others may mean we charge an extra premium or exclude the specific condition from the cover. Can I get Critical Illness Cover with a pre-existing condition?Ĭritical Illness Cover can be added when taking out Life Insurance or Decreasing Life Insurance policy for an extra cost, and is designed to pay a cash sum if you’re diagnosed with a specified critical illness during your policy term and you survive for 14 days from diagnosis. But every individual is different, so to find out if you're eligible for cover it may be best to speak to an adviser or your preferred insurance provider for some guidance. There are a lot of medical conditions that will still allow you to get life insurance. Can I get life insurance if I have a medical condition? But in reality, if you do not tell us full and accurate information about your health when applying then any future claim may not be paid, leaving your loved ones without the cover that you thought your life insurance policy would provide. Sure, it’s easy to see why some people would be half-tempted to avoid mentioning their medical history in order to get the cheapest cover. How much you pay for life insurance (your premium) can be affected by existing conditions if your application is accepted. Why you’ll need to tell us about any pre-existing conditions Other tests for life insurance can include blood tests and/or an electrocardiogram.īut before any medical testing or exams for life insurance take place, you’ll need to tell us about your medical history and any pre-existing conditions you have.Human Immunodeficiency Virus (HIV) test – When applying for life insurance, HIV tests are commonplace, especially for higher cover amounts.A test to confirm your smoking status (if you have told us you are a non-smoker).If you are asked for additional testing during your exam, this could include any of the following: ![]() Urine testing for blood, glucose and protein.Weight and height measurements to determine your Body Mass Index (BMI). ![]() Examples of what may happen in a life insurance medical check-up include: Every application is different, and we may require a short health check, and/or discuss your medical history. What does a life insurance medical exam involve?Ī life insurance medical exam could be with a doctor or a nurse and we might arrange for this to happen in your home or near your workplace. No – Legal & General will pay for the costs of any medical exam we request after receiving your life insurance application. In some cases, we may ask you to complete a medical exam before we can offer you a policy. If you’re in good health, then it’s likely you’ll be offered life insurance on standard terms without a medical exam. We will want to know the following information about you: We’ll decide whether an exam is required based on the amount of cover applied for and your answers to the application questions. You don’t always need a medical exam when applying for life insurance.
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