Life Insurance Medical Questions
When you are making your life insurance application the longest and most in depth part will be the life insurance medical questions.
We are going to cover a list of life insurance medical questions that could come up so as to prepare you for what information is required from you when you go ahead and make your application. A list of possible conditions that you will be asked about is also listed below.
The insurer will require that you are specific as possible and include dates, conditions and symptoms where requested. Most life insurance medical questions may be 'yes' or 'no' answers but in many of these cases there will be an additional sub questionnaire on the form that will require full details of the condition in question. Where necessary the insurer will provide a timescale for which your answers must be applicable, for instance 'Within the last 6 months' or 'Within the last 5 years'.
The sub questions will involve you having to disclose:
* The exact name of the medical condition.
* Whether you are still suffering from the condition or receiving treatment, if it is ongoing when are you next due a consultation or surgery.
* When the last time that you experience symptoms of this condition.
* The amount of days away from work the condition caused you to take off.
* The frequency that symptoms of this condition have been experienced.
* How severe the condition is, the insurer may provide examples for you to choose from.
* Which specific areas of the body that the condition effects.
We will now proceed with a list of conditions and disorders that you may be asked about.
Have you ever experienced any of the following conditions:
- Angina
- Heart Attack or disorder of the heart
- Multiple Sclerosis
- Optic Neuritis
- Parkinson's Disease
- Paralysis
- Cerebral Palsy
- Alzheimer's Disease
- Dementia
- Stroke
- Brain Haemorrhage
- Brain Injury
- Blurred or Impaired Vision
- Loss of Feeling
- Tingling of the Limbs or Face
- Numbness
- Disease or Disorder of the Nervous System
- Disease or Disorder of the Arteries
- Diabetes
- Anxiety
- Depression
- Stress
- Chronic Fatigue
- Mental Illness
- Nervous Illness
- Chest Pain
- Raised Cholesterol
- Lump Growth or Cyst
- Blackouts
- Fits
- Tremor
- Epilepsy
- Nervous Spasms
- Bronchitis
- Breathlessness
- Sarcoidosis
- Lung disorder
- Digestive Disease
- Stomach Condition
- Bowel Condition
- Liver Condition
- Pancreatic Condition
- Bladder Condition
- Arthritis
- Rheumatoid Arthritis
- Systemic Lupus
- Gout
- Blood Condition
- Anaemia
- Thyroid Disorder
- Kidney Disorder
- Urine Condition
- Prostate Disorder
- Abnormal Cervical Smear
- Asthma
- Raised Blood Pressure
- Circulatory Disorder
ANY form of:
- Cancer
- Leukaemia
- Hodgkin’s disease
- Lymphoma
- Brain Tumour
- Spinal Tumour
You may also be asked in addition whether you have spent time in hospital or been advised by your doctor to go for medical investigations, scans or tests for a certain condition within a period of time, for example the last 7 years.
It is also possible that you could be asked about any symptoms or problems that you are currently experiencing or any medication that you are currently on. Also if you are awaiting any follow up appointments after surgery.
Questions involving whether you have ever been in situations or places where there is a risk of exposure to HIV/AIDS Hepatitis B and Hepatitis C, are very frequently asked. This involves any tests that you may have had.
You may well be asked whether or not you have ever tested positive or received treatment for a sexually transmitted infection.
Following the medical questions applicable to you personally the insurer will request some information on specific medical conditions suffered by your immediate family(mother, father, brother or sister).
An example of this may be : 'Has anybody in your immediate family ever been diagnosed with cancer before the age of 65?'
You will be asked to specify the relation, the exact type of cancer and the age at which the relative was diagnosed.
Almost every insurer will ask you to provide the name and address of your doctor as part of the life insurance underwriting process may involve obtaining medical records or a medical report from them.
For full details on the life insurance underwriting process please click on the link.
