What is the purpose of the mortgage insurance medical examination?

What is the purpose of the mortgage insurance medical examination?

Any subscription to borrower insurance involves completing a medical questionnaire. This consists of ten general questions about your health (back pain, taking medication, past operations, etc.). If you answer positively to one or more of these questions, the insurer may then make additional requests.

Thus, depending on your state of health, your insurer may ask you for a medical examination to better identify the risks concerning you. Generally, the medical check-up consists of a blood test, as well as a medical report completed by a doctor.

The medical check-up mainly concerns high loan amounts and/or policyholders whose profile induces an increased risk.

Future mothers, if your pregnancy is going normally and you have no health problems, you will not have a medical examination.

Are you looking for flexible home loan insurance regarding medical formalities? Are you looking to get the best rate despite your state of health, deemed to be at risk? Thanks to our borrower insurance comparator, we recommend the contracts best suited to your needs and your budget. Our tool is 100% free and allows, thanks to the competition of contracts, to make significant savings!

Save up to €18,000 on your loan insurance

Is it possible to take out home loan insurance without a medical examination?

You can take out home loan insurance without a medical exam. But be careful, for this to be possible, your answers to the health questionnaire must not cause the insurer to request additional examinations.

Each insurance company has its own rules regarding medical examinations. Some will be very cautious and will ask for additional examinations at the slightest risk, while others will be more flexible. Each insurance company is free to ask you for any type of examination it deems necessary.

Whatever the level of requirement of his loan insurance, all the examinations requested will be paid for by the insurance company.

If you have no medical risk to declare or are very benign, then yes, you can take out borrower insurance without a medical examination. On the other hand, if your answers to the medical questionnaire are likely to increase your risk, the insurer will most likely ask you for additional medical evidence.

Our teams of experts can assist you in these steps. Medical secrecy obliges, we will have no visual on your answers to the health questionnaire, nor possible additional health examinations.

How is the borrower insurance medical examination carried out?

How long will the medical tests take?

For the tests and the medical report with the doctor, it takes about an hour. Prefer an appointment in the morning because you will have to come on an empty stomach.

Can I perform medical examinations in the center of my choice?

You can carry out this visit in the medical center of your choice, with your doctor, or in a partner center of the insurer (practical if you are an expatriate or non-resident ). The partner center will be responsible for sending the completed medical report to the insurer’s medical service. Otherwise, you will have to send your results to your customer area on the insurer’s website and the fee note for reimbursement (you will be reimbursed if you subscribe to the insurer’s offer).

Can I have the medical report completed by my attending physician?

You have every right to do so. In this case, you will have to send your results and your bill of fees to your customer area on the insurer’s website.

Is the medical check-up reimbursed?

The medical check-up will be covered if you take out the loan insurance offer made to you or if you have refused it following an increase in contributions and/or exclusions from cover.

If you go to an approved medical center, you will not have any costs to pay upfront, the insurance will cover them upstream. Otherwise, you can choose the center of your choice and will then have to share your documents (original invoice and exam results) with your insurance.

How long are medical examination results valid?

On average, the results of medical examinations under the borrower insurance are valid for 6 months. However, there are today several players admitting a validity of 1 year, including some among our partners.

With our online borrower insurance comparator and the help of our advisers, you will be able to obtain quotes adapted to your needs and your possible medical risk. We will tell you which actors are flexible about health risks and the validity periods of medical examinations.

Save up to €18,000 on your loan insurance.

Health questionnaire and medical examination, what are the differences?

The health questionnaire is made up of about ten questions concerning your medical liabilities and assets (back pain, treatments taken, operations, sick leave, etc.) and must be completed when taking out mortgage loan insurance.

The medical examination follows this health questionnaire. Indeed, if you have declared a medical asset or liability when answering the questions, the insurer may then ask you for additional medical examinations to better assess your medical risk and adapt its insurance offer.

If the insurance medical questionnaire is systematic, the medical examination is not. His outfit depends on your answers to the health questionnaire.

4 tips before a borrower insurance medical examination

Here are our tips before a medical examination to obtain mortgage loan insurance. The goal is for it to accurately reflect your state of health and not be distorted by dietary or sporting errors.

Tip #1: Watch your diet.

Most borrower insurance premiums following the medical examination are linked to an increase in cholesterol, triglycerides, and blood sugar. Namely that cholesterol standards vary according to the laboratories (normal rate between 2.20 and 2.50 g per liter). The ratio between total cholesterol and HDL (the good cholesterol) is often analyzed: it must be less than 5.

Thus, we advise you to eat light the day before your blood test (which, as a reminder, must be carried out on an empty stomach). Avoid fat (milk, butter, cheese, eggs, fatty meats, chocolate, ice cream, etc.) and prefer fish, vegetables, and legumes. Also, prefer rapeseed oil, sunflower, or peanut oil; fruit to pastries, and water to any other drink.

Tip n° 2: do not practice too intense efforts.

For sports activities, we advise you to avoid any intense effort in the 3 days preceding the assessment. This is because physical exertion can disrupt muscle enzymes and promote an increase in white blood cells.

Tip #3: Avoid smoking (even passively).

If you need to perform a urinary cotinine assay to confirm that you do not smoke, avoid any smoky atmosphere for the 2 days preceding the examination.

Tip #4: Postpone the examination date in the event of a temporary illness.

Finally, if you are not feeling well or if you are coming out of a mild viral illness (cold, sore throat, etc.), preferably wait a week before making an appointment.

Can you reuse your old medical tests?

Yes, most of the time you can reuse them. Insurers generally agree to make a decision based on medical tests already passed and even sometimes the medical report can also be reused. The health questionnaire, the test results, and the doctor’s medical report are valid for 1 year depending on the nature of the tests and the insurance companies. This can be very practical if you make a change of insurance with the Hamon law.

In the majority of cases, the documents and tests requested are very similar. On the other hand, the insurance company may contact you later if any elements are missing (compared to those requested by other companies). The goal of insurers is not to make you follow their formalities to the letter, but to better understand your state of health!

What happens if your medical results are not good?

If your medical examinations are not good, the insurer’s medical adviser will probably ask you for additional information. But don’t worry, our experts are there to support you in all your steps and direct you, if necessary, towards more flexible partner insurers on medical risk.

Are you aware of the AERAS Convention? It is about the possibility for former cured cancer patients not to declare their pathology. Thanks to this right to be forgotten, they will be able to take out borrower insurance without being opposed to a refusal, an additional premium, or exclusions of guarantees. A reference grid lists the cancers concerned by the device and its conditions of application, you can consult it on our page dedicated to the right to be forgotten.

It may be that the borrower is in perfect health during the medical tests but that a pathology manifests itself after the tests. In this case, the borrower must inform the insurer so that additional examinations can be carried out. The borrower’s state of health will be assessed again taking into account new criteria and with more in-depth examinations. These new medical tests will allow the insurer to determine the aggravated health risks and therefore the possible additional premium that the insurer could apply.

Insurers have different medical test grids for the same profile. Do not hesitate to compare different contracts because not all of them may require you to have a medical examination. Last tip: remember, you can take out insurance other than that of the bank thanks to the Lagarde law!

By Master James

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