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When applying for cover, a common myth is that you are always required to take a medical for income protection insurance. Generally, medical examinations are NOT mandatory, but in some cases may be requested by your insurer.

When are they needed?

In most cases the life insurance company will only need a fully completed application form to process your application. However, you may need to undertake a medical if you:

  • Are applying for high level cover, OR
  • Have a particular medical condition that the insurance company needs to clarify

Why are they needed?

If your insurer requests a medical examination or blood test, it is done to ensure they possess accurate medical readings in order to help you get the best outcome for your insurance application. Generally, all medicals are paid for by the life insurance company.

Types of Medical Examinations Life Insurance Companies use

The most common forms of medical examinations that you may be requested to undertake include:

  • Quick check – Performed by a mobile nurse or your own GP who will provide your insurer with a current height and weight reading, 3 blood pressure checks as well as a urine test (dip stick). These tests will generally take around 15 to 20 minutes to complete.
  • Quick check + blood test – Involves an additional blood test to test for HIV, Hepatitis B or C, as well as a Fasting MBA 20, which includes a current cholesterol reading. These tests will generally take around 30 to 40 minutes to complete.

  • Personal Medical Attendant Report (PMAR) – Is requested when more detail on a particular illness or injury is required, your GP can provide your insurer with details of your medical history based on their own files or those from referring specialists. Generally includes details of diagnosis, treatment, degree of recovery and possibility of recurrence.

For Best Results

  • To verify your identity, provide your examiner with your passport, drivers license or other certified photo identification.
  • If a blood test is required, fasting for 8-10 hours prior to the examination is advised. If you have been instructed by a physician not to fast for medical reasons, or if you are an insulin dependant diabetic, you may need to inform your insurance company beforehand.
  • If you are required to give a urine sample, have one or two glasses of water prior to your test.

You Should Avoid:

  • Alcohol for ideally 72 hours before a blood test as this can impact your liver function results.
  • Fatty foods for 24 hours prior to a blood test as this can increase your cholesterol levels.
  • Using medication that contains paracetamol, such as Panadol or Panadeine, for 24-48 hours before your examination.

Once you have completed your Medical

Your insurance company will assess the information gathered from your medical examination and advise you in writing as to the outcome. In most cases they will accept your application and send you a Policy Schedule outlining the details of your cover.

If your application is not accepted by your insurer, generally they will try to offer you an alternative offer of insurance which you can choose to accept or decline.

If your results discover a previously unknown medical condition, your insurer is only authorised to inform you how it affects your application. In such circumstances your insurer will recommend that you consult your GP to discuss the findings in more detail and you can request that they send their findings to your GP.

If you would like more information on medicals for income protection insurance and how they apply to you, please contact one of our advisers on 1300 135 205.