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

Anonymous

21 Aug 2020

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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)

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

Some insurers may require medical examination/blood/urine tests; this is dependent on a couple of things. Your age / sum assured you are applying for and your current health status. Medical requirements will differ from insurer to insurer.

Elijah Lee

20 Aug 2020

Senior Financial Services Manager 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 :) Ty...

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