Will I need a medical?

• It all depends upon your medical history.
• The information contained in your application form may be enough.
• The Insurance Company might want to contact your GP.
• A medical representative might visit you at home.
• You may need to have a medical, but in many cases it isn’t required.

Once you have received your quotation and decided to go ahead, the next stage is complete an application form. This will contain questions about your health, both past and present, as well as some questions about your mother and father’s health record.

From your answers, the Insurance Company will decide whether it requires more information about your health. This does not necessarily mean that you’ll need to have a medical examination. In the majority of cases where more information is required the Company writes, with your approval, to your GP for information.

However, the Insurance Company may decide it needs a second opinion or an up-to-date assessment of your health. If this is the case you’ll need to have a medical. This could be either a short visit to your home by a medical representative from the Insurance Company or a more in-depth assessment at Doctors or Consultants consulting rooms. In either case, the entire cost of the medical is met by the Insurance Company.

You should be aware that the medical report is the property of the Insurance Company and you’ll not have access to its findings. However, if anything of concern is found, the Insurance Company or Doctor will normally let you know.

Finally, we must remind you that you should be totally truthful when you complete your application form. If you don’t disclose something that you are asked about, or you fail to tell the truth, then any subsequent claim will be invalidated.

Please note : The information contained within the FAQ section has been written by Mortgage Protected Online

Related questions:

What information will I need to provide to get a quotation?