Life Insurance Without Medical Exam
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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.
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.
This type of life cover is ideal for:
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.
Typically, no-exam policies offer cover between R100,000 and R10,000,000
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.
You’ll usually answer a few basic questions such as:
Yes. If your answers indicate high health risks, some insurers may still decline your application—or offer limited cover.
South African life insurance brands that offer no-medical options:
Call 1Life On 0860 10 53 30 Or Complete The Above Form For A Quote.