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Do I need a medical exam to get disease specific insurance?

Diana Meeks
Diana Meeks on behalf of Sigma Nursing
Family Practitioner

Although there are sometimes minimum and maximum restrictions on disease specific insurance policies, no medical exam is required for most supplemental insurance policies. The provider gives a cash settlement to anyone who is diagnosed with a specific disease for which they have purchased insurance. Be certain that you understand the details of your policy before purchasing as some providers may have very specific coverage and benefits requirements.

Dr. Michael Roizen, MD
Internal Medicine
You may need to give a medical history, have a medical exam, or even provide test results to get disease-specific insurance. That’s because disease-specific insurance typically is only provided in very specific situations with very narrowly defined conditions. Some call these legal robbery policies, because the restrictions are often so encompassing that you are more likely to be hit by lightening twice in a day than benefit from one.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.