Not necessarily. Most people are accepted on the basis of the information they provide in their health declaration. Sometimes the insurer will write to your doctor for more detailed information (you give them permission to do this of course). It’s possible however that due to either your own health or the level of cover you’re applying for, a simple medical examination is needed. This is likely to only involve a visit to your home or work by a registered nurse who’ll collect blood and other samples, quiz you about health issues you may have mentioned in your application, and conduct a basic examination. If this service is required in your case, we’ll tell you, and in most cases, it’s free of charge. Think of it as a health warrant of fitness!
