Insurance Medicals in Tuncurry
- Collaborative Patient Care
- AHPRA-Registered Doctors
- Accessible Appointments
Tuncurry Insurance Medicals
Insurance medicals are structured health assessments used to evaluate an individual’s medical status for life insurance, income protection, or other policy applications. At Tuncurry Medical Centre in Tuncurry, we offer professional, clinically guided insurance medicals conducted by AHPRA-registered general practitioners. These assessments are typically requested by insurers to confirm the applicant’s current health, identify pre-existing conditions, and help underwriters determine risk. The examination may include a review of medical history, vital signs, physical examination, urine and blood testing, and, where applicable, an ECG or lung function test. The team ensures that each assessment is carried out thoroughly, confidentially, and in line with the specific documentation required by the requesting insurance provider.
We provide timely, evidence-based assessments to support insurance requirements. To book an insurance medical, contact Tuncurry Medical Centre on (02) 6554 5531.
What’s Involved in Insurance Medical Assessments
The structure of an insurance medical depends on the insurer’s request, but most include a medical questionnaire, physical examination, and pathology testing. During your appointment, the doctor will collect information on your medical and surgical history, current medications, family health background, and lifestyle factors such as smoking or alcohol use. Vital signs such as blood pressure, pulse rate, height, and weight are recorded, and a basic systems review is performed. Pathology tests such as cholesterol and blood glucose levels may be required. Some insurance assessments also involve ECGs or lung function tests to assess heart and respiratory health. Once complete, the results and medical report are securely submitted to the insurer or applicant as directed. Patients are encouraged to bring any relevant documents provided by their insurance company to streamline the process.
To complete your insurance assessment accurately and on time, get in touch with the clinic to book an appointment or request further details.
Why do insurance companies request a medical examination?
Insurance companies request medical exams to evaluate the applicant’s current health and assess any potential risks before issuing a policy. These assessments help determine eligibility, premium rates, and exclusions based on medical history, lifestyle factors, or underlying health conditions. The depth of examination depends on the type and value of the policy—more comprehensive assessments are typically required for higher coverage amounts or older applicants.
What should I bring to an insurance medical exam?
You should bring valid photo identification, any paperwork or forms provided by your insurance company, and a list of current medications. If you wear glasses or hearing aids, bring those as well. You may be asked to provide a urine sample and undergo blood tests, so fasting may be required—check in advance. It’s also helpful to know your personal and family medical history, as the doctor may ask about conditions such as heart disease, diabetes, or cancer.
How long does an insurance medical take?
A standard insurance medical typically takes 30–60 minutes, depending on the tests required. More detailed assessments, especially those involving ECGs or lung function tests, may take slightly longer. Blood tests and urine samples may be collected during the same visit or referred to a local pathology service. Results are usually compiled and forwarded to the insurer within a few business days, depending on processing times.
