Anyone who wants to take out term life insurance will sooner or later be confronted with the issue of "health examination". It is a formality that, while not particularly popular, is a prerequisite for insurance coverage. The most common questions about the health examination in the context of term life insurance are listed and answered below.
To take out term life insurance, it is necessary to determine the health condition of the person to be insured. This is what happens during the health check.
Is a health exam always necessary if I want to buy term life insurance?
Yes. However, this should not be a reason not to take out term life insurance. Because not every health problem is evaluated negatively. In addition, the cost of such a health check is manageable in most cases.
Necessary health examination for the determination and individual adjustment of insurance benefits as well as the insurance premium to be paid. Each disease and risk is examined and evaluated individually in this context. In this way it is possible to choose the most suitable tariff from the various tariffs available.
Exceptions to the health examination are only conceivable under certain conditions, such as:
- For young parents
- with simultaneous conclusion of a mortgage loan
- For physicians in the event of starting or taking over a practice
If you already have term life insurance that only needs to be topped up, this can also be done without a health check, depending on the insurer's tariff. However, the so-called subsequent insurance guarantees must be included for this purpose.
What does a health check look like at all?
The health examination is a prerequisite for the conclusion of a term life insurance policy. It is composed of two parts:
- Health questions: a questionnaire that must be filled out in every case
- medical examination: is due only if the answers to the health questions require it
In most cases, the health check includes only the health questions. A targeted investigation, for example, by consulting a doctor's opinion, is only carried out if there is a risk-relevant previous illness.
Only if the information in the questionnaire requires it, a medical examination must be carried out.
Do I have to answer the health questions honestly?
Yes, because the truthful answer is very important. Misrepresentation or concealment of important facts can result in cancellation of term life insurance and consequent lapse of coverage.
By the way: By far not every pre-existing condition leads to a rejection or to high premiums. Back pain, allergies (for example, hay fever) or neurodermatitis, for example, do not play a role at all. The health questions should therefore be answered honestly.
Where can I find accurate information about my health?
Both your primary care physician and other treating physicians, as well as your health insurance company, can provide you with information about pre-existing conditions, diagnoses and examinations. If you are privately insured, relevant information can also be found on the invoices you receive.
Which diseases are important in the health examination?
The list of questions in the health assessment provides information on the following medical conditions:
- inflammatory joint and connective tissue diseases
- Infectious and tropical diseases (also high blood pressure)
- Diseases of the respiratory, digestive, urinary and sexual organs
- Metabolic and blood disorders (depression, suicidality, eating disorders)
- diseases of the brain and nervous system
High blood pressure is a relevant disease for the health examination and must be indicated accordingly.
Further, you will be asked about doctor visits in the last five years. Hospital stays are also of interest. For example, they must list all stays in the last ten years and, if applicable, any clinic stays already planned for the coming year. However, the health questions are not aimed exclusively at pre-existing conditions.
Habits such as smoking must also be noted. Similarly, professions and hobbies classified as dangerous or practicing extreme sports are relevant to term life insurance are.
On the other hand, the following illnesses are irrelevant for term life insurance:
- Illnesses such as stomach, intestinal and urinary tract infections
- Colds, as long as they are completely cured
- dental treatments
- Sports injuries, provided that they have healed and have not left any health restrictions
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