Personal medical report
A doctor goes through your current and past health, family history, medicines and lifestyle, then examines you, including your height, weight and blood pressure.
Insurance check-ups · Singapore
Insurance medical check-ups for your policy application.
Your insurer decides what is needed. Our doctors complete the questionnaire, examination and requested tests at Wheelock Place, and the report goes to your insurer through the authorised route.
What is an insurance medical check-up?
Your insurer sets the scope. We do the medical work, discreetly.
An insurance medical check-up is the examination an insurer asks for before deciding on a policy application. Depending on the request, it can range from a medical questionnaire and physical examination to blood and urine tests, an ECG, imaging or specialist reports. Our doctors perform and document the medical work; the insurer makes the underwriting decision.
We are on the insurance medical panels of AIA, Great Eastern, Manulife, Prudential, China Taiping, Transamerica, Swiss Life and Sun Life. Resting ECG, treadmill, X-ray, ultrasound and mammogram are all on site at Wheelock Place, with private rooms. Bankers, brokers, insurance agents and financial advisers can refer their clients to our female doctors.
- Request-led — your insurer's form sets the scope
- Thorough — history, examination and tests as specified
- Discreet — identity and consent checked before any release
- Independent — we report findings; your insurer decides
What it can include
What can an insurance medical involve?
The scope depends on the policy type, your age, the sum assured and your disclosed history. Some applicants need only basic measurements and a doctor's report; others need extended blood tests, an ECG, imaging or specialist information. We review your insurer's actual request before confirming the time needed or the cost.
Blood and urine tests
Urine tests and the blood profiles your insurer specifies. Some need fasting or a timed collection, so we confirm the preparation with you beforehand.
Resting ECG and treadmill test
A resting ECG or a treadmill exercise test, when your insurer requests one, done at the clinic. A stress echocardiogram is subject to availability.
Imaging and further evidence
An X-ray, ultrasound or mammogram, specialist reports or repeat tests, when underwriting needs clarification.
Who it's for
Who arranges an insurance medical with us?
Applicants whose insurer has asked for a medical examination, and the advisers who refer them. Retail and high net worth applications can have different medical requirements.
We report medical findings. The insurer decides on your policy.
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Policy applicants
Your insurer or adviser has asked for a medical. Book with us and send the complete request first.
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Retail and high net worth policies
Requirements vary with the policy and sum assured, from basic measurements to extended tests and imaging.
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Advisers and brokers
Bankers, brokers, insurance agents and financial advisers can refer clients to our female doctors.
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Examination at home
Mobile services are available if you prefer to be examined at home, and extra fees apply. Ask which parts of your request can be done there.
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An unexpected finding
A new finding matters for your health, and may need follow-up separate from your application.
Your insurance medical, step by step
Verify. Document. Investigate. Release.
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Verify
We confirm your identity, the insurer's request, your consent and how the report is to be sent.
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Document
You complete the insurer's questionnaire, and a doctor takes your history and examines you.
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Investigate
We carry out the laboratory, heart or imaging tests your insurer requested.
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Release
The completed medical evidence goes to your insurer through the authorised route. The insurer then makes its decision.
Good to know
We report the medical findings. Your insurer makes the decision.
Unexpected findings are followed up as health concerns, separately from your application. Your insurer may ask for more information after receiving the report; the timing and outcome of underwriting rest with the insurer.
High Net Worth or Retail Insurance Check-Ups: frequently asked questions
Where can I do an insurance medical check-up in Singapore?
Fusion Medical carries out insurance medical examinations at Wheelock Place, 501 Orchard Road. Resting ECG, treadmill, X-ray, ultrasound and mammogram are all on site, with private rooms. Send us your insurer's request before you book, so we can confirm the tests, the preparation and the time needed.
Which tests will my insurance medical include?
Your insurer's request defines the scope. It may include a medical questionnaire, a physical examination, urine and blood tests, an ECG or treadmill test, imaging or specialist reports. Requirements often differ with the type of policy, your age, the sum assured and your disclosed medical history.
Do I need to fast before an insurance medical?
Only if the requested blood tests require it. Confirm the preparation with us rather than assuming, and follow any fasting instructions exactly. Do not fast or stop a medicine unless we or your prescribing doctor tell you to.
What should I bring to my insurance medical?
Bring every page of your insurer's form, with reference numbers and release instructions, your original identification, a list of your medicines and supplements, and relevant specialist letters, imaging and test results. If you use glasses or hearing aids, bring them too.
Will the clinic tell me whether my policy is approved?
No. We report the medical findings, and the insurer makes all underwriting and policy decisions, including premiums, exclusions and postponements. We cannot predict or influence the outcome, and your insurer may ask for more information after receiving the report.
How is my report sent to the insurer?
It is released through the authorised route your insurer specifies, after we have checked your identity, your consent and that the report is complete. We may contact you if a sample, form or result needs clarification.
What happens if an unexpected result is found?
A new finding may need medical follow-up, separately from your policy application, because it matters for your health whatever the insurer decides. Your insurer may also ask for clarification or more evidence.
Can the insurance medical be done at home?
Mobile services are available if you would prefer to have the examination at home, and extra fees apply. When you book, ask our team which parts of your insurer's request can be done at home.
Our doctors
Your examination, carried out by a doctor.
Appointments
Book your insurance medical.
Send us your insurer's request and we'll confirm the tests, preparation and time needed.