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Insurance Without Medical Exam

Insurance without medical exam

Whether you are struggling to find life, critical illness or disability insurance for medical or other reasons, Insurance Without Medical Exam from Humania Assurance coverages will meet your needs.


The perfect solution for people who have difficulty getting insurance

Medical reasons

You have already been refused or deferred for medical reasons (obesity, chronic diseases, HIV, diabetes, etc.)

Lifestyle habits

Your lifestyle habits (criminal record, excessive drug/alcohol use, extreme sports, etc.) affect your ability to insure yourself.

Health condition

With our Insurance Without Medical Exam, you can be protected regardless of your health or lifestyle!

No cases refused

No medical exam, six eligibility questions, issued in 10 minutes and no cases refused.

Without medical exam

A choice of four immediate protections

Life Insurance, Without Medical Exam

Temporary for 10, 20, or 100 years

Customized solution, regardless of your health status or lifestyle.


Why choose this insurance?

  • No medical exam required
  • Quick and easy application
  • Permanent or temporary life insurance option
  • Eligibility age: 18 to 70 inclusive
  • Available amounts: $5,000 to $300,000*
  • Available terms: T10, T20, or T100


*Please refer to the policy specimen for all details.

Calculate a premium


Critical Illness Insurance, Without Medical Exam

Temporary for 10 or 20 years

Critical illness protection, with no strings attached, no worries, and no judgment.


Why choose this insurance?

  • No medical exam required
  • Answer just six eligibility questions to get your coverage.
  • No case is refused. Your past doesn’t define your future, and we’re here to support you, whatever your story may be.
  • Get your insurance in just 10 minutes.


Calculate a premium


Disability Insurance (Income), Without Medical Exam

Temporary for 10 or 20 years

Your financial support in the event of disability, without a medical exam.


Why choose this insurance? 

  • No medical exam required
  • Benefits offered: From $400 to $2,500 per month to meet your financial needs
  • Age limits at purchase: Available for people aged 18 to 55 inclusive, for coverage tailored to your situation
  • Disabilities covered: Any total disability caused by accident or illness, giving you complete protection*

* See our sample policy for details.


Calculate a premium


Disability Insurance (Debts), Without Medical Exam

Temporary for 10 or 20 years

Protect your debts without a medical exam! 


Why choose this insurance?  

  • No medical exam required
  • Issued immediately, easy to purchase, and simple to understand
  • Up to $300,000* paid to your beneficiaries in the event of death
  • Following the diagnosis of cancer, heart attack, stroke, or coronary artery bypass surgery: receive up to $100,000*
  • Receive up to $2,500 per month to cover your debts in the event of accident or illness

*The amount of combined life insurance coverage cannot exceed $300,000. See our sample policy for details.


Calculate a premium



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