Medical Examination Large Life Insurance Sum Assured

Published / Last Updated on 13/06/2018

What to expect in a medical examination when you apply for large life insurance and critical illness insurance sums assured:

  • Full medical - normally not your own GP
  • Cotinine test – as a non-smoker – they test to check you are actually a non-smoker and have not touched tobacco say in last year witha mouth swab
  • Biochemistry blood test
  • Urine sample
  • HIV test
  • Exercise ECG – heart rate monitor during exercise

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