Life insurance, critical illness, and income protection medicals. GMC-registered GPs. From £100.
Professional, impartial medical assessments accepted by all major UK insurers.
When you apply for life insurance, critical illness cover, or income protection, insurers may ask you to undergo an independent medical examination to assess your current health and identify any underlying conditions. These examinations are typically required when the sum assured exceeds certain thresholds — for example, £500,000 or more for life insurance, or if you are over the age of 40 applying for significant cover.
At Lambert Medical Practice in Surbiton, our GMC-registered GPs carry out insurance medical examinations for all major UK insurers, including Aviva, Legal & General, PruHealth, AIG, Zurich, and Royal London. We provide a professional, thorough, and confidential service, with completed reports dispatched to your insurer within 5–7 working days of your appointment.
Our CQC-registered clinic on Ewell Road, Surbiton, is easily accessible from Tolworth, Chessington, Kingston upon Thames, Esher, and Epsom, with free parking available nearby and Surbiton railway station just a short walk away.
Aviva, Legal & General, PruHealth, AIG, Zurich, Royal London, Vitality, NFU Mutual, Canada Life, and all other major UK insurers.
We conduct examinations for a broad range of personal and business insurance policies.
Life insurance medicals are requested when you apply for a high-value policy — typically above £500,000 — or if you are in an older age bracket. The examination helps the insurer accurately price the risk of insuring your life and confirms the health details you declared on your application.
Critical illness cover pays out a lump sum if you are diagnosed with a specified serious condition such as cancer, heart attack, or stroke. Insurers request medical examinations to establish your baseline health and verify that no relevant pre-existing conditions were undisclosed at the point of application.
Income protection policies replace a proportion of your income if you are unable to work due to illness or injury. These medicals focus particularly on musculoskeletal health, mental health history, and any existing chronic conditions that might affect your ability to work.
Mortgage protection insurance ensures your mortgage is paid if you die or become seriously ill. Lenders and insurers require a medical examination to confirm that you are in good health before issuing higher-value policies, particularly on large residential or buy-to-let mortgages.
All examinations are carried out by GMC-registered GPs in a fully equipped clinical setting.
Comprehensive assessment of your health, medications, surgeries, and medical history, including any family history of hereditary conditions relevant to your policy.
Blood pressure, pulse, weight, height, BMI, and general health assessment. Cardiovascular and respiratory systems checked as standard.
Laboratory tests as required by your insurance company — typically including full blood count, cholesterol, glucose, liver and kidney function, and urinalysis.
Discussion of smoking, alcohol use, recreational drug use, exercise habits, diet, and occupational risk factors that may influence your policy terms.
A resting 12-lead electrocardiogram to assess heart rhythm and electrical activity. Included as standard in comprehensive examinations and available as an add-on for standard medicals.
Confidential report submitted directly to your insurance company within 5–7 working days. You may request a copy for yourself under the Access to Medical Reports Act 1988.
A little preparation will help your appointment run smoothly and ensure the most accurate results.
You have the legal right to:
We will always discuss the process and your rights with you at your appointment.
All prices are all-inclusive. No hidden fees. Your insurer may reimburse the cost — check your policy documentation.
Medical history review and full physical examination. No blood tests.
£100
Full physical examination plus blood and urine tests as required by your insurer.
£150–£200
Full assessment including ECG, extended blood panel, and urinalysis. For high-value policies.
£200–£250
The exact examination required will be specified by your insurer. If you are unsure which package applies, call us on 0208 133 5694 and we will advise.
Our practice is registered with and inspected by the Care Quality Commission, confirming we meet national standards for safe, effective, and high-quality care.
Every examination is conducted by a fully qualified, GMC-registered GP. Our doctors have extensive experience in medico-legal and insurance examinations.
Appointments are typically available within 5–7 working days. We also offer early morning and Saturday appointments to suit working patients.
Our reports are strictly confidential and clinically objective. We have no financial relationship with any insurance provider, ensuring a fully impartial assessment.
Everything you need to know about insurance medical examinations at Lambert Medical Practice.
Fast, professional insurance medicals in Surbiton. Appointments typically available within 5–7 working days. Call us or book online.