If I apply for a critical illness policy, will I need a medical?

Not necessarily

In order to accurately assess the risk the insurance company is being asked to underwrite the insurer may require further information from your GP or request that you undergo a medical. Normally you will have to go to the consulting rooms of the Doctor appointed by the insurance company but sometimes ClickLife can arrange for the medical to take place at your home. The insurer will always arrange for Doctor to see you locally.

Applications for critical illness policies where the sum insured is high, or where there are existing health issues, can expect the insurance company to request a medical.

If you are asked to have a medical, it does not necessarily mean your premium will be increased or that they are concerned about your health. In most cases it is because over certain levels of sum insured the insurance company automatically asks for a medical.

Incidentally, the insurance company will always meet the cost of the medical.