Typical Timelines
| Scenario | Time to Active Cover |
|---|---|
| Healthy applicant, no complications | 20–30 minutes |
| Minor health conditions | Same day to 1–2 weeks |
| GP report required | 2–6 weeks |
| Medical examination required | 2–4 weeks |
| Complex health history | 4–8 weeks |
The Application Process
- Get quotes (5 minutes) – Compare prices from multiple insurers
- Choose a policy (2 minutes) – Select the right cover amount, term, and insurer
- Answer health questions (10–15 minutes) – Online questionnaire about your medical history, lifestyle, and occupation
- Receive a decision (instant to weeks) – Most healthy applicants get an immediate decision. Complex cases may require further information
- Set up payment (2 minutes) – Direct debit for monthly premiums
- Cover starts – From the moment the insurer accepts your application
For most people: You can go from having no cover to being fully insured in under 30 minutes, entirely online. There is no need to visit a branch, see a doctor, or wait for paperwork.
When Might It Take Longer?
The insurer may need additional information if you:
- Have had recent medical treatment or investigations
- Take medication for ongoing conditions
- Have a complex medical history
- Apply for a very large sum assured (£1 million+)
- Work in a high-risk occupation
In these cases, the insurer may request a GP report (takes 2–6 weeks depending on your GP surgery’s response time) or arrange a medical examination (usually a nurse visit to your home, scheduled within 1–2 weeks).
Can You Speed It Up?
- Have your medical history ready – Medication names, dosages, dates of treatment
- Be accurate – Guessing or being vague may trigger follow-up questions
- Choose an insurer with instant decisions – Legal & General and Aviva often process straightforward applications immediately
Frequently Asked Questions
20–30 minutes for most people. GP report needed: 2–6 weeks. Medical exam: 2–4 weeks.
Usually not. Exams typically only for £1M+ cover or complex medical histories.