Usually not. Most individual health and dental plans don’t need a medical exam. A medically underwritten plan asks health questions, and the insurer may also ask your doctor for your records. Guaranteed issue and guaranteed acceptance plans ask no health questions at all.
Do I need a medical exam to get health and dental insurance?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
Spot a mistake? Tell us and a licensed advisor will check it. Email compliance@garrett.ca
More about health and dental insurance
Your own coverage for what provincial plans don’t pay.
More questions about health and dental insurance
- What is the benefit of a guaranteed acceptance health and dental plan compared with other plans?
- What is the benefit of a medically underwritten health and dental plan compared with other plans?
- When should I apply for health and dental insurance?
- What do I need to get health and dental insurance?
- What is the benefit of a guaranteed issue health and dental plan compared with other plans?
A question about your coverage? Ask us.
No obligation. We’ll tell you plainly what we think, including when you already have what you need.