Life Insurance Without Medical Exam

Life Insurance Without Medical Examination

Quick, Hassle-Free Life Cover — No Needles, No Doctors, No Delays

Looking for life insurance without medical exams in South Africa? You’re not alone. Many South Africans prefer simplified life cover that doesn’t require blood tests, doctor’s visits, or lengthy medical underwriting. Whether you’re short on time, have pre-existing conditions, or simply want instant peace of mind — there are great life cover options that skip the medical exam.

What Is No-Medical-Exam Life Insurance?

No-medical-exam life insurance, also called simplified issue or guaranteed issue life cover, allows you to apply for and get life insurance without needing to undergo a physical examination or provide blood or urine samples.

Instead of a medical exam, you’ll typically answer a few health and lifestyle questions online or over the phone.

Who Should Consider No Medical Life Cover?

This type of life cover is ideal for:

• Busy professionals who want fast, convenient cover
• People with minor health issues or anxiety about medical tests
• Applicants who’ve been declined before due to medical conditions
• Anyone who wants peace of mind without the paperwork

Benefits of Life Cover with No Medical Exam

• Fast approval – Get covered in minutes or hours
• No needles or tests – Completely non-invasive
• Same-day cover in many cases

Frequently Asked Questions

1. Is No-Medical-Exam Life Insurance Legitimate?

Yes. Many leading insurers in South Africa offer legitimate life insurance products that don’t require medical exams. These policies are underwritten based on your answers to health questions, lifestyle factors, and age.

2. How Much Cover Can I Get Without a Medical?

Typically, no-exam policies offer cover between R100,000 and R10,000,000

3. Is No-Medical Life Insurance More Expensive?

It can be slightly more expensive than fully underwritten life cover since the insurer takes on more risk. However, the difference is often minimal—especially for younger or healthy applicants.

4. What Questions Will I Be Asked Instead of a Medical Exam?

You’ll usually answer a few basic questions such as:

• Age, height, and weight
• Whether you smoke or drink alcohol
• Any known health conditions (e.g. diabetes, cancer, HIV)
• Hospitalizations or surgeries
• Medication use

5. Can I Still Be Declined Without a Medical Exam?

Yes. If your answers indicate high health risks, some insurers may still decline your application—or offer limited cover.

6. Which Insurers Offer Life Cover Without a Medical?

South African life insurance brands that offer no-medical options:

• 1Life
• AVBOB
• Old Mutual
• Assupol
• Clientèle

Life Insurance Cover Options Include

• Life Cover
• Disability Cover
• Dread Disease Cover
• FuneralCover

Get Life Cover Without a Medical

Call 1Life On 0860 10 53 30 Or Complete The Above Form For A Quote.