Depending upon your entry age and the Insurance Company chosen, you may require to have a medical examination. This is normally applied to the more senior applicants of 60 yrs and older. In most cases, you only need to complete a medical questionnaire.

It is not to your benefit by hiding any medical information as it can can cause you more harm than good. Should the insurance company find this out, they can either cancel your policy outright or deny paying any claims.