Do I need a medical?

Depending on your age, type and amount of cover, the underwriter will require a signed personal statement (included in your Application). Depending on your responses to the health/medical questions in the application your insurer may write to your Doctor/s for further health evidence. This is called a Personal Medical Attendants Report (PMAR). In some situations insurers may also contact other professionals that you may have consulted eg chiropractor, specialists etc.