Insurance

Many companies these days ask for a detailed overview of your physical (and sometimes mental) health before offering to insure you for travel or types of health and life plans.

Making sure you have your own independent report gives you the peace of mind that you know exactly what’s going on with your body so you can give the right information to your insurance providers.

Travel insurance medical screening

If you’re seeking travel insurance, you might be offered different levels of cover depending on your health status. For example, someone with a serious or chronic condition can expect to pay more for their holiday insurance than someone with a clean bill of health.

You might be asked to provide details about certain conditions so your insurers know whether they can cover you for your trip – and how much it might cost you.

Giving inaccurate information could see your claim being turned down and needing to pay hundreds or thousands for medical care in a foreign country.

Health screening for life insurance

You’ll also be asked to provide health information if you’re applying for life insurance, as the value or amount you pay each month will depend on this. Certain markers like age, weight, and current diagnoses can impact your policy, so a full health screening is important for an accurate life insurance quote.

As with many policies, if you provide information that turns out to be false, it could void your contract and the company could decide not to pay out in the event of your death.

Health test for car insurance and DVLA

It’s not often that your car insurance will ask for a health report, but you might be asked to have a medical test if you have a DVLA-reportable condition.

In some cases, you may be able to keep your license if a qualified practitioner believes you’re fit to drive. For example, if you have a mental health condition but you don’t suffer from suicidal thoughts or compulsions that are likely to put yourself or other road users at risk.

If you’ve been asked to provide more information about an existing condition, our clinicians are able to write a health report for the DVLA to get you back insured and on the roads again.

Insurance health checks in Wigan

All insurance medicals take place at our main hub in Standish, Wigan. Set your sat-nav to WN6 0HL and find us opposite Standish Methodist Church.