Do I have to have a medical exam for private medical insurance?
SimplyFinance Answers is a great place to start your research, but it is not a substitute for personalised, professional
like to speak to an expert directly, use our Adviser Search to find an adviser in your area and contact them directly through SimplyFinance.
In general, the answer is no. Provided you are not aware of any pre-existing conditions, you are best served by waiting to have a medical examination after joining a private medical insurance (PMI) plan.
Medical history declarations are offered by all insurers. These usually require the completion of medical questionnaire.
A moratorium is an option with some insurers. This requires you to complete a form without disclosing any medical history. If you do have any pre-existing conditions, they will not be covered for a stipulated amount of time, which varies from two to five years depending on the insurance provider.
Of course. If the insurance company finds out later that you have a preexisting condition, then they will not pay you anything, and you will lose all the thousands of pounds you may have paid in premiums. Remember, insurance companies are great when it comes to taking money, but will do everything to avoid paying. I suggest that you watch Michael Moore's movie Sicko if you want to know how private medical insurance companies work.
This site is not associated with any of the companies you see on this site or any of the companies who make contact after you complete the form
Our intermediary activities are operated through Lead Point UK Ltd who is authorised and regulated by the Financial Services Authority (FSA No: 476785). Our Consumer Credit License is 0630670
We do not provide any financial advice relating to mortgages or other credit or Insurance products. The product information is obtained from independent sources and rates may vary depending on your circumstances. We provide our service free of charge but we sometimes receive commissions from IFA's, brokers and intermediaries for introducing you to them. These partners may charge you fees for their services and the amount may depend upon your circumstances.
The content of this site is meant to be informational, and it should not be considered financial advice.
Your details will be sent to a provider who will contact you to discuss your requirements. Occasionally Simply Media Network or selected partners will email you details of products that you may be interested in, if you wish to stop receiving these emails just click the unsubscribe link or email us at email@example.com.
Give feedback -Your comments matter. You can either write to firstname.lastname@example.org or, at our Registered address: Customer Care, Simply Media Network Ltd, 48 Charlotte Street, London, W1T 2NS
This site is owned and operated by Simply Media Network Ltd. Company Registration number: 06770502