Usually, yes. You answer health questions, and for larger amounts or at older ages the insurer may also ask for a medical exam, blood tests or a report from your doctor. Your family history can also affect the price and what’s covered. If you can’t qualify, simplified issue plans ask fewer health questions, but usually cover fewer conditions or pay a lower maximum.
Are medical questions or exams required to apply for critical illness insurance?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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More about critical illness insurance
A lump sum if you’re diagnosed with a serious illness such as cancer, a heart attack or a stroke.
More questions about critical illness insurance
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