Glossary

Non-medical limit

Also called NML.

The most cover an insurer will issue on a declaration alone, without a medical examination.

Below the non-medical limit, an insurer will normally issue cover on the strength of your health declaration. Above it, a medical examination is arranged first.

Exceeding the limit does not reduce your cover and is not a rejection. The insurer arranges and pays for the tests, and the cover you asked for still stands — it simply means a person reviews the case.

Related terms

  • Medical examination Tests an insurer arranges before issuing cover, where the case calls for it.
  • Underwriting The insurer's assessment of the risk you present, which decides the terms and the price.
  • Income multiple cap The limit on cover relative to income, which is why insurers ask what you earn.

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