Medical review in life insurance

To take out life insurance, you must inform the insurance company of your current state of health so that the risk can be properly assessed. The way to do this varies depending on the insurance company and your age.

Is a medical exam always required to buy life insurance?

Some insurance companies require mandatory medical exams or health reports regardless of the insured's age or insured funds.

At MetLife, if you are under 50 years old or have less than 350,000 euros in insurance, you do not need to pass a medical examination, you only need to sign a health declaration or answer a simple medical questionnaire.

the reason is simple. The older the insured is, the more vulnerable their health is and therefore the risk of developing a disease that causes disability or death, so the company must examine the person's health to determine the real risk.

What is a health claim?

A declaration of health is a document signed by the insured to certify that he does not suffer from any type of chronic or serious illness, has not taken prolonged leave in recent years and has not waited for any type of surgical intervention, which reassures the company that you are in good health and who will not be Any other aspect of your health should be reported.

These statements must also be accompanied by some questions about the insured's habits, such as whether he practices risky sports or performs activities that can be considered dangerous.

What are the medical questionnaires that must be answered to take out life insurance?

When a person interested in life insurance does not meet the requirements to sign a health statement, the insurance company asks them to answer a few simple questions about their situation. It is a simple medical questionnaire that allows insurance companies to know the general state of health in your area.

These questions should include aspects of your health and lifestyle, including topics such as smoking or drinking.

Likewise, people who wish to formally take out life insurance must state if they suffer from any type of disease, such as cancer, diabetes, cardiovascular, respiratory or digestive problems, or any other type of disease, and inform them of the treatments or tests they carry out. . I have had Presented last year. Likewise, in this medical questionnaire you must indicate if you have any type of congenital problem, if you have any sequelae of an accident, or if you have some degree of disability.

Why is it important to be honest in health statements and medical questionnaires when buying life insurance? Before taking out life insurance, keep in mind that it is important that the insurer knows your state of health so that, in the event of an accident, the policy covers all possible risks.

The Declaration of Health and the Medical Form are binding documents in the insurance contract, and if they hide any medical condition, your life insurance will not cover it. For this reason, it is important that you always answer questions honestly and inform the company of anything you consider relevant to your health.