Applicants with medical conditions are often requested to provide medical records. The insurer will ask for your consent to get your medical history from your GP. Requesting a medical does not always mean they are going to charge you higher insurance premiums or decline your policy. If you have not had a checkup from your GP in some time, you may require a more recent checkup.
This is what we call 'Medical Cover Underwriting'. Allowing them to determine the severity of your condition and any treatment required. A decision to Decline Insurance, Increased Premiums or Standard Premiums is then made.
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