facebookIs there any medical check up required for signing a life insurance policy? I understand that one must declare any pre-existing health condition when they sign up.? - Seedly

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Anonymous

21 Aug 2020

Insurance

Is there any medical check up required for signing a life insurance policy? I understand that one must declare any pre-existing health condition when they sign up.?

More than 5 years ago, I went for a medical check up for irregular period and it was concluded that I was low in iron. Doctor only gave me iron supplements and there was no other follow up . Do I still need to declare this since I was not diagnosis with anything?

Discussion (3)

What are your thoughts?

Elijah Lee

Elijah Lee

20 Aug 2020

Level 18·Independent Financial Advisor at Phillip Securities (Jurong East)

Hi anon,

In the interests of disclosure, you should declare this if there is question relating to being on medication, without any specific timeframe. This really depends on how the question is worded, so please read the application carefully.

Remember that an application for insurance coverage is one made in utmost good faith.

Hey there!

For simplicity sake, you can just answer the Health declaration questions as it is :) Typically, they will ask specific questions eg. Do you have xx condition Etc. If the question leads up/doesnt lead up to the condition directly, then just answer/leave it accordingly.

Financial Planning is an integral part of life. You can reach me here to find out more​​​

Jonathan Chia Guangrong

Jonathan Chia Guangrong

21 Aug 2020

Level 12·Cybersecurity Trainee at Bank in blue

Mm I'd say, follow the health questions required on the application form and just declare accordingl...

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