Do I Need a Medical to Get Life Cover?

Will I Need a medical if I apply for Life assurance?

Each insurance company in Ireland has a table of cover levels in age category where they will automatically look for a Private medical report and or an independent medical examination. Set out below is an indication of these cover levels if exceeded they will seek an automatic family doctor’s report.

AgeCover Level
Up to 35 €675,000     
Up to 40  €550,000
Up to 45€350,000
Up to 50  €250,000
Up to 55€125,000
Up to 60€  75,000
Up to 65 €  35,000
Up to 70 €    7,500
Existing medical conditions or past medical conditions and buying new life assurance cover

If you have an existing medical condition, are under medical treatment currently or had a previous medical condition, these should be declared when completing a new proposal form for any life insurer.

In our experience we will be able to give you an indication of how your individual case will be treated and the likely acceptance terms.

Never take the chance of not declaring as a subsequent claim could be refused for non disclosure of a vital fact.

 A very small proportion of people are refused cover nowadays.

For those who have had life threatening illnesses and may be refused cover they have an option under the over 50’s cover.



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