Answers to common questions about term life insurance health assessments

If you want to buy term life insurance, sooner or later you'll be confronted with the issue of a "health check". This is a formality that is not particularly popular, but is a prerequisite for insurance coverage. The most common health assessment questions for term life insurance are listed and answered below.

Term life insurance and health examination

In order to purchase term life insurance, it is necessary to determine the health condition of the person to be insured. This happens during the health check.

Is a health check always necessary if I want to buy a term life insurance policy?

Yes. However, this should not be a reason not to purchase term life insurance. Because not every health problem is viewed negatively. In addition, the cost of such a health check is manageable in most cases.

Necessarily, the health examination for the determination and individual adjustment of the insurance benefits as well as the insurance premium to be paid. Each condition and risk is reviewed and evaluated individually in this context. In this way, the most suitable tariff can be selected from the various tariffs.

Exemptions to the health examination are conceivable only under certain conditions, for example:

  • For young parents
  • When taking out a mortgage loan at the same time
  • For physicians in case of starting or taking over a practice

If there is already a term life insurance, which should only be topped up, this can also be done – depending on the tariff of the insurer – without a health check. However, the so-called post-insurance guarantees must be included for this purpose.

What does a health check even look like?

Health assessment is a prerequisite to purchase term life insurance. It is composed of two parts:

  • Health questions: a questionnaire that must be filled out in every case
  • Medical examination: is only due if the answers to the health questions require this

In most cases, the health check includes only the health questions. A specific examination, for example by consulting a doctor's opinion, is only carried out if a risk-relevant previous illness is present.

Health examination, term life insurance, medical examination

Only if the information in the questionnaire requires it, a medical examination must be performed.

Do I necessarily have to answer the health questions honestly?

Yes, because the truthful answer is very important. False information or concealment of important facts may result in cancellation of the term life insurance policy and thus the lapse of insurance coverage.

By the way: by far not every pre-existing condition leads to a rejection or to high premiums. Back pain, allergies (for example, hay fever) or neurodermatitis, for example, do not play a role at all. So the health questions should definitely be answered honestly.

Where can I find accurate information about my health?

Both your family doctor and other treating physicians as well as your health insurance company can inform you about previous illnesses, diagnoses and examinations. If you are privately insured, you will also find relevant information on the invoices you receive.

Which diseases are important in the health check?

The list of questions in the health check provides information on the following medical conditions:

  • Inflammatory joint and connective tissue diseases
  • Infectious and tropical diseases (also hypertension)
  • Diseases of the respiratory, digestive, urinary and genital organs
  • Metabolic and blood disorders (depression, suicidal tendencies, eating disorders)
  • Brain and nervous system disorders

Hypertension, high blood pressure

High blood pressure is a relevant condition for the health check and must be included accordingly.

Furthermore, you will be asked about doctor visits in the last five years. Hospital stays are also of interest. Thus, they must declare all stays in the last ten years and, if applicable, hospital stays already planned for the coming year. However, the health questions do not exclusively target pre-existing conditions.

Habits such as smoking must also be noted. Similarly, occupations and hobbies considered hazardous or engaging in extreme sports are relevant to term life insurance.

On the other hand, the following illnesses are irrelevant for term life insurance:

  • Diseases such as gastric, intestinal and urinary tract infections
  • Catching colds, as long as they are completely cured
  • Dental treatments
  • Allergies
  • Pregnancies
  • Sports injuries, provided they have healed and have not left any health limitations