Organising funeral insurance is something many of us would rather not think about. It can be especially daunting if you have concerns about medical exams or health conditions that could be a barrier to getting cover.
The good news is that there are funeral insurance options available without any medical exams or blood tests, just simple cover with a straightforward application process.
We’ll take you through everything you need to know about no-medical funeral insurance, its benefits, and how to get started.
Do I need a medical exam to get funeral insurance?
No, you don’t. With no-medical funeral insurance, you can apply without going through doctor’s appointments, medical exams, or getting blood work done.
This typically makes the application process quicker and more streamlined.
Benefits of no-medical funeral insurance
No-medical funeral insurance offers plenty of features that make it a commonly chosen option:
- Guaranteed acceptance: Most of these policies have guaranteed acceptance for adults in a certain age bracket. Here at Dignity Insurance, we have guaranteed acceptance for Australian residents aged between 50 and 80
- No medical exams: The main benefit of no-medical funeral insurance is the lack of physical exams, which some may find uncomfortable or invasive.
- Simplified process: You can usually get cover in a few minutes over the phone so it can be a great option for those who want quick protection
No-medical funeral insurance can help reduce the worry of getting cover and instead let you focus on planning for the future.
Who should apply for no-medical funeral insurance?
No-medical funeral insurance may appeal to people who:
- Would rather not undergo medical tests
- Want fast, straightforward coverage
Everyone’s preferences and circumstances are different so it’s best to consider your own situation when looking into funeral insurance options.
Do I need to provide medical information when applying?
With guaranteed acceptance funeral insurance, no medical information, exams, or medical records are required.
At Dignity Insurance, eligible Australian residents aged 50–80 can apply without medical questions, helping keep the process simple and straightforward.
Do I qualify?
No-medical funeral insurance is designed to be more inclusive and accessible than traditional insurance options.
Your eligibility depends on these factors:
- Your age
- Whether you’re an Australian resident
At Dignity Insurance, you’re guaranteed acceptance if you’re an Australian resident and aged between 50 and 80 years old.
Do I have to declare existing medical conditions when applying?
Application requirements can vary between providers. Some insurers may ask health or lifestyle questions as part of the application process.
At Dignity Insurance, eligible Australian residents aged 50–80 can apply without medical questions or health assessments.
Is there a chance I won’t qualify?
Although no-medical funeral insurance removes the need for medical exams, there can still be other factors that affect eligibility:
- If you’re outside the accepted age range
- If you’re not an Australian resident
- Misrepresenting information or lying on your application
If you’re an Australian resident aged between 50 and 80, we can guarantee you’ll be accepted for Dignity Funeral Insurance.
How much does no-medical funeral insurance cost?
How much you pay for your no-medical funeral insurance depends on a few things:
Type of policy
In Australia, funeral insurance premiums are often structured as either level or variable age-stepped premiums.
- Level premiums: Premiums are fixed throughout the coverage period. While this policy may cost more initially, it may result in lower total premiums over time compared to age-stepped policies
- Variable age-stepped premiums: Premiums are adjusted over time and are based on your age each year. It may be cheaper initially but can get more expensive as you get older.
At Dignity Insurance, we only offer level premium policies, so you can have predictable, consistent payments for the duration of your cover.
Age at application
The younger you are, the less you’ll usually pay in premiums as younger people are considered to be less of a risk for insurers.
Smoker status
Smokers tend to pay higher premiums than non-smokers due to the increased health risks.
Take a look at our helpful guide for a full breakdown of the costs associated with no-medical funeral insurance.
Why do guaranteed acceptance policies have a waiting period?
Guaranteed acceptance funeral insurance policies often include a waiting period. This is because there are no medical exams or detailed health assessments required during the application process.
The waiting period helps insurers manage risk by preventing people from taking out cover right before they make a claim. During this period, premiums are still payable, however the cash payout is limited to accidental death, as it is an unforeseeable event.
Once the waiting period is over, the benefit becomes payable for death from any cause, in line with the policy’s terms and conditions. It’s important to review your insurer’s Product Disclosure Statement to understand how waiting periods apply and what’s covered.
Why choose Dignity Funeral Insurance?
We know that navigating funeral insurance can feel overwhelming. At Dignity Insurance, we aim to keep the application process simple, quick, and straightforward.
You can get cover over the phone in just a few minutes, no medical exams or blood tests needed. With guaranteed acceptance for Australian residents aged between 50 and 80, you can have the peace of mind of knowing your loved ones will have some financial protection when the time comes.