Medical Examination

This is an examination given by a qualified physician to determine to the insurability of an applicant which is usually required when a higher limit of life insurance is sought. A small life insurance policy to cover outstanding debts or for funeral costs might not require other then a declaration of health.

Sometimes the medical examination may also be used to determine the extent of an injury after an accident or if an injury has resulted in disability.

A driver may require a medical examination for an on-going condition or due to reaching a certain age. If you have a medical condition you must disclose this to your insurer.

For whatever reason you are getting a medical examination it establishes the state of your health at that point in time.