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Do You Need a Medical Examination for Gap Cover?

March 01, 2012 | Comments: 0 | Views: 174

When you take out a policy that provides gap cover you don't usually have to worry about the need for a medical examination. Most medical insurers are keen to sign up you up without having to wait a long time for a thorough examination and test results to come back. This is good news, because you don't have to go the hassle of arranging for a check-up and you will not be rejected due to ill health. However, if you do suffer from health problems you need to be honest about them, because otherwise you could find yourself liable for medical costs that you thought would be paid for later down the line.

There may be an element of risk for providers of gap cover, because they don't know exactly what they're taking on. However, it is good for business, since if you knew that you had to undergo a medical examination, even though nothing appears to be wrong with you, you may be less inclined to take out gap cover. Thus, you generally find that when looking at your options for gap cover, there will be no demands for you to have a medical examination in order to take out a policy.

You need to be aware that there are some policies which exclude certain pre-existing conditions and impose a waiting period of a number of months before you are able to claim back any costs. There may be other restrictions associated with your gap cover policy, which is something worth bearing in mind when looking at all the options open to you. How much coverage you can expend and how long you will have to wait to claim will depend on your particular circumstances and what you intend to claim for. Thus, if you intend to claim for childbirth costs, there is usually a wait of 10 months before you can do so.

The main thing to note, however, is that you do not require a medical examination to obtain gap cover. As long as you can keep up with payments and you don't lie about the state of your health in order to gain coverage, you will find that your medical costs will be covered. You may be tempted to lie about the state of your health to try to save yourself some money, but this could backfire spectacularly if your lies are discovered, which they inevitably will be. You may 'forget' to mention that you have a pre-existing condition, because you know that you don't have to undergo a medical examination, but this isn't a good idea.

Even though it may take time for your deception to be uncovered, but insurers are always on the lookout for suspicious behavior and claims. You may think that you're going to get away with paying less for greater coverage, but the chances are you will be found out. When this happens you could be prosecuted and you will definitely find yourself having to cover the cost of your medical treatment, which may not be very convenient. Thus, just because you may not need a medical examination for gap cover doesn't mean you can lie about your medical history.

The author is the content coordinator for a website about medical aids in South Africa. To read more visit

Source: EzineArticles
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