Insurance Medical Assessments UK

The life insurance medical exam is a fundamental component of the underwriting process, aimed at assessing your overall health status. We fully understand that this exam is a cornerstone in determining your health rating, which directly impacts your insurance premium.

Our mission is to empower you with the knowledge and preparation needed to optimise your health status before undergoing this pivotal assessment. Book an appointment with one of our accomplished GP for profound insights into the world of life insurance medical exams.

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Medical Reports

Insurance Medicals

Importance of Insurance Medicals

Insurance medical examinations serve multiple purposes:

Verification: Confirming the accuracy of information provided in the application.
Risk Assessment: Evaluating the likelihood of future health issues to determine appropriate premium rates.
Health Insight: Identifying any underlying health conditions that may not have been previously diagnosed.

By thoroughly assessing an applicant's health, insurers can offer fair and tailored coverage options.

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Components of an Insurance Medical Exam

Medical Questionnaire:
Applicants provide information about:
-Personal and family medical history
-Lifestyle habits (e.g., smoking, alcohol consumption, exercise)
-Current medications and existing health conditions

Physical Examination:
Conducted by a healthcare professional, this may involve:
-Measuring height, weight, and waist circumference to calculate BMI
-Blood pressure assessment
-Blood tests to evaluate organ function and detect conditions like diabetes or high cholesterol
-Urine tests to check for nicotine, drug use, and other health indicators

These exams are typically arranged and paid for by the insurance company and last between 20 to 45 minutes.

How to Book an Insurance Medical

Booking an insurance medical assessment is straightforward:

Online Scheduling: Visit the clinic's website and access the online calendar.
Select Appointment: Choose a convenient date and time for your assessment.
Provide Details: Enter the required personal information to confirm your booking.
Confirmation: Receive confirmation and any preparatory instructions for your appointment.

Ensure you have all necessary documents and information ready for your assessment to facilitate a smooth process.

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Patient Feedback & Experiences

Reviews from patients across our UK clinics.

Pricing

how much does an appointment cost?

Simple, pay-as-you go pricing with no hidden fees

Same Day Online Booking

Book your consultation online with our easy online booking form, or call us directly on 0208 050 0379.

No Time Limits Appointments

Confidential same-day consultations with no time limits. Discuss your health concerns with an experienced doctor in a private and relaxing space.

Online Consultations Available

Same-day telephone or video consultations provide instant access to doctors. Prescriptions, medical certificates, referral letters & sick notes are available.

Medical Reports

Occupational Health Assessment

from £495

Visa Medicals

POA

HGV (D4) Medical

£75

Fit to Fly Assessment

£100

Letters (inc. sick Notes & referrals)

£100

Other Letters/Reports

from £195

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Frequently Asked Questions

What does the assessment process involve?

Medical Questionnaire
- One of our experienced GPs will pose health-related questions to establish a comprehensive picture of your current health status. These questions delve into your medical history, family history, lifestyle habits, and existing conditions. Providing accurate and truthful responses is essential to avoid discrepancies in your application.
Physical Examination
- This is a routine check-up that includes measurements such as height, weight, blood pressure, pulse, and urine/blood samples. Additional tests may be conducted based on factors like age or coverage amount. The results help in evaluating your BMI, screening for diseases, and assessing your overall health condition.

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Preparing for your examination

Preparation is key to ensuring accurate exam results and a favourable health rating. Some steps you can take include:

24 Hours Before the Exam: Avoid alcohol, caffeine, high-sugar foods, and over-the-counter medicines. Keep a photo ID accessible.
8 Hours Before the Exam: Fast for at least 8 hours to ensure accurate blood sugar readings. Stay hydrated, avoid excessive activity, exercise, and smoking.

What happens if the exam reveals a health issue?

If the insurance medical exam identifies a previously unknown health issue, the insurer may:

Postpone making an offer until further investigations are completed
Offer a policy with a higher premium or exclusions
Decline the application in some rare cases

You may also be advised to follow up with your GP. You will generally be notified of any findings that are clinically significant.

Navigating post-examination expectations

After the exam, it’s natural to be curious about the results’ impact on your application. While the outcome is beyond your control, we encourage you not to dwell on it excessively. Underwriters’ perspectives may differ from yours, and minor health concerns might not significantly impact your application. If results raise concerns, insurers may request a retest for accuracy.

How long does a medical examination for insurance take?

The average medical examination for life insurance lasts between 20 to 45 minutes. More comprehensive exams, including additional tests such as ECGs or lung function tests, may take slightly longer.

Can I choose where to have my medical exam?

Yes. Many insurers work with a network of private clinics like ours. At Private Medical Clinic, you can schedule your insurance medical assessment at a convenient time via our online booking system.

Insurance Medical Assessments UK

Select a Date and Time to Book your Appointment

Importance of Insurance Medicals

Components of an Insurance Medical Exam

How to Book an Insurance Medical

how much does an appointment cost?

Same Day Online Booking

No Time Limits Appointments

Online Consultations Available

Medical Reports

Frequently Asked Questions

Experienced and compassionate medical professionals

Dr Simon Khela

Dr Teresha Jayawardena

Dr Sabina Hanoman-Singh

Dr Sonia Khorana

Dr Shivani Lal

Dr Rano Bhadoria

Dr Anuveer Mann

Beth Walker

Dr Laraib Malick

Dr Kishan Dattani

Dr Kaley Ainsworth

Dr Fatemeh Zamzam Ziaei

Dr Sahil Soni

Ellanor Finlayson

Priya Dubb

Still have questions?