LifePolicyFactsMany insurers ask for a short health check before they offer a price. It helps them judge risk, and it can lower your premium if you are healthy.
What the exam usually covers
A nurse or paramedic normally measures height, weight and blood pressure, takes blood and urine samples, and asks about your medical history. Some insurers also request records from your doctor.
How to prepare
| Do | Avoid |
|---|---|
| Drink water and sleep well | Heavy exercise on the day |
| Have your medicine list ready | Alcohol for 24 hours before |
| Answer questions honestly | Heavy caffeine or a large salty meal |
No-exam policies
Some products skip the exam and rely on questions or data checks. They can be faster, but they often cost more or offer lower limits. Compare the price per 1,000 of cover with the Cost per 1,000 Coverage Calculator.
Why honesty matters
If you hide a condition, the insurer may reduce or refuse a claim later. Disclose everything asked. Read the beneficiaries guide so the payout reaches the right person.
Frequently asked questions
Will the results be shared?
Insurers must follow data and privacy law in your country. Ask how your results are stored.
Can I fail the exam?
You do not pass or fail. Results affect the price category or the terms offered.
Educational content only. Not insurance, financial or legal advice. Figures are illustrations; check real quotes and policy documents.