Health checks in your 40s
Your 40s can be one of the busiest times of your life. Many of us are expected to advance our career while meeting the demands of our home life with the energy of a 20-year-old festival goer; unfortunately, your health is often the first thing that gets put on the backburner.
It’s time to bring your wellbeing back to the top of the priorities list (without having to drop the ball on remembering bread for lunches or finishing that work report).
We’ve all heard the sound advice, ‘Prevention is always better than cure’. This is where health checks come in. Health checks are simple tests or check-ups designed to catch conditions at an early stage when there are no symptoms. In most cases, getting an early diagnosis means a better outcome, because the earlier treatment is started, the better.
Get started by completing your free online health check.
What health checks should I be having in my 40s?
Your GP should be the first port of call to find out which health checks are a good idea for your age and stage of life. But, as a general overview, here are the health checks that are important for people in their 40s:
For males:
For females:
Blood pressure check
our GP will want to regularly check your blood pressure from the age of 18, so if you’ve been putting it off it’s never too late to start. That’s because you can have high blood pressure and not know it, and untreated high blood pressure can cause many other health concerns. It’s a simple check that only takes a couple of minutes.
What is a blood pressure check?
A blood pressure test measures the pressure in your arteries as your heart pumps. This test is conducted in a doctor’s surgery using a blood pressure machine and cuff.
How often should I have a blood pressure check?
At least every two years.
Who does a blood pressure check?
A doctor or nurse.
Related: Your blood pressure and how to measure it from home
Skin check
In Australia, we have one of the highest rates of skin cancer in the world. While you might not notice too much sun damage in your 40s, it’s a good idea to become familiar with how your skin normally looks and to see a doctor if you notice a new spot or change in a mole. This is especially important if you have a fair complexion, or if you’ve had skin cancers in the past.
Keen to find out your risk of skin cancer? Take the personalised nib skin self-assessment now! In just a few minutes, you can understand your skin cancer risk and get personalised advice on how to reduce your likelihood of developing skin cancer.
What is a skin check?
A skin check involves a doctor or skin specialist checking your entire body for skin cancers or suspicious lesions. They’ll scan your body using a specialised tool called a Dermlite Lumio. If they spot a suspicious looking mole, they’ll investigate further and may take a biopsy or suggest just keeping an eye on it.
How often should I have a skin check?
While there’s no set guideline for how often Australian adults should have a skin check, Cancer Council recommends regularly checking your own skin and seeing your GP if you notice a new or changing spot. If you’re at higher risk of skin cancer, talk to your doctor about how often you should have your skin checked. They may recommend a full skin examination every 6 to 12 months.
Who does a skin check?
Your GP or a dermatologist (skin specialist).
Related: How a skin cancer check can save your life
Mental health check
In Australia, it’s estimated 43 per cent of people will experience a mental health condition in their lifetime, with more than one in six people experiencing anxiety in the last 12 months and 7.5% of people experiencing a mood disorder like depression. So if you’re suffering with your mental health, rest assured you’re not alone.
If you’re trying to improve your own mental health, or support somebody else with mental health issues, Head to Health provides links to trusted Australian resources and treatment options
What is a mental health check?
A mental health check is designed to determine whether you are experiencing symptoms of a mental health condition, such as anxiety or depression.
How often should I have a mental health check?
You should seek help if you have concerns about your mental health, or if you’ve noticed changes in the way you’re thinking or feeling.
Who does the check?
Your GP will conduct the initial assessment and can provide you with a referral to see a psychologist for up to six Medicare rebatable sessions. Once those six sessions are up, you can head back to your GP to ask for a referral for more rebatable sessions, with a maximum of 10 each calendar year. Find out more about the different ways you can get help for mental health, without paying a thing or connect with a psychologist through MyMirror.
Cardiovascular risk test
Tests to check your absolute cardiovascular risk of cardiovascular disease (which includes conditions such as heart attack and stroke) should be done from age 30 in all Aboriginal and Torres Strait Islander adults and all other Australians from the age of 45. For those with risk factors this test should be done earlier.
Find out about the six modifiable factors you can address to reduce your lifetime risk of cardiovascular disease.
What is a cardiovascular risk test?
A cardiovascular risk assessment could include a:
Blood pressure check;
Cholesterol blood test; and
Electrocardiogram (ECG)
Your doctor will also ask if you are a smoker as smoking has been linked to increased risk of cardiovascular disease.
How often should I have a cardiovascular risk test?
It depends on your risk, but at least every two years.
Who does a cardiovascular risk test?
Your GP.
Related: How a heart health check can save your life
Diabetes risk test
Your risk of developing type 2 diabetes increases when you are over 40 years of age. All people aged 40 and over should be tested to check whether they are at risk of developing type 2 diabetes.
What is a diabetes risk test?
The Australian Type 2 Diabetes Risk Assessment Tool is a questionnaire that estimates your risk of getting type 2 diabetes in the next five years.
How often should I have a diabetes risk test?
Aboriginal and Torres Strait Islander people aged 18 and over are recommended to have a diabetes screening blood test every year. For non-Indigenous Australians, your doctor should check your risk of type 2 diabetes every three years from age 40.
Who does a diabetes risk test?
Your GP will ask you a series of questions. Your doctor may recommend that you get blood glucose test which is a simple blood test.
Related: How a diabetes risk test can save your life
Cholesterol and lipids blood test
A person with high cholesterol will usually experience no symptoms, and unfortunately, being a healthy weight is no guarantee that your cholesterol levels are ideal. High cholesterol and blood lipids (also known as blood fats) can lead to heart and blood vessel disease but, once diagnosed, it can be treated effectively.
What is a cholesterol and lipids blood test?
A simple blood test. Your doctor will let you know if you need to fast beforehand. If you do, it’s usually for 8 to 12 hours, which means no snacks, just water!
How often should I have a cholesterol and lipids blood test?
At least every five years, starting at age 45. Depending on your risk, you may need testing more often. Testing should start at 35 years for Aboriginal and/or Torres Strait Islander peoples.
Who does a cholesterol and lipids blood test?
Your GP can do the test for you or provide you with a pathology request to have it done.
Related: Healthy cholesterol levels in Australia
Eye test
As you get older, looking after your eye health becomes even more important. Regular eye tests can help pick up changes in your vision and conditions like glaucoma, which can develop without noticeable symptoms at first. They can also identify common vision problems like long or short-sightedness.
If you have family members with glaucoma, your risk of developing it is increased. Testing should begin 10-15 years earlier than the age your relatives were diagnosed. If you are of African or Asian descent you should start having eye tests for glaucoma at age 40.
What is an eye test?
It’s a full eye examination, including the front and back of your eyes. The pressure inside your eyes is also tested, and your field of vision is checked.
How often should I have an eye test?
Your doctor or optometrist will let you know how frequently you should be tested, as it depends on your overall risk.
Who does an eye test?
An optometrist or ophthalmologist (eye specialist).
You can visit nib First Choice Optical to find a participating optometrist near you. Our First Choice network gives eligible members access to agreed rates1 and No Gap offers on selected services and products.2
Related: Do I need an eye test?
Dental check-up
Dental check-ups aren’t just about keeping your smile looking good. They can help pick up tooth decay, gum disease and other oral health problems early. So, if you’re due for a visit, it might be time to bite the bullet (‘scuse the pun) and book one in.
What is a dental check-up?
This includes an examination of your mouth, teeth and lips. Dentists also usually clean the teeth and gums, and may offer you a fluoride treatment.
How often should I have a dental check?
At least once a year, but ideally every six months.
Who does a dental check?
Dentists. While you can visit any dentist recognised by nib and make a claim, choosing a dentist in the nib First Choice network may help reduce your out of pocket costs through agreed rates,1 percentage-based benefits on eligible services and, for eligible members, 100% back on preventative dental check-ups at participating No Gap providers.3
Kidney health check
Kidney disease is known as a silent disease, as there are often no symptoms until it is advanced. That’s why a kidney health check is recommended for people thought to be at increased risk. Ask your doctor if this applies to you.
What is a kidney health check?
A kidney health check has three components: a blood pressure check, a urine test and a blood test.
How often should I have a kidney check?
People who have one or more of these risk factors should ask their doctor for a kidney health check every 1 to 2 years.
Who does a kidney check?
Your GP.
Related: How a kidney health check can save your life
Self-check of testicles
Testicular cancer is rare but is more common if you have an undescended testicle. It has a very good cure rate if caught early. Formal screening tests are not needed, but you should be aware of how your testicles normally feel. If any lumps, changes or symptoms develop, you should see your doctor.
What is a testicle check?
Being familiar with the usual feel of your testicles.
How often should I have this check?
It’s an ongoing self-assessment.
Who does the check?
You do.
Related: How a testicle cancer check can save your life
Cervical cancer screening test
Regular cervical screening can help protect you from cervical cancer by finding HPV before it has the chance to cause serious problems. The Cervical Screening Test looks for human papillomavirus (HPV), a common infection that causes almost all cervical cancers.
What is a cervical screening test?
It’s a test that checks for HPV. You can choose to collect your own vaginal sample using a simple swab, or have a healthcare provider collect a sample from your cervix. Both options can detect HPV.
If HPV is found, your healthcare provider will let you know what follow-up is needed.
How often should I have a cervical screening test?
If you’re a woman or person with a cervix aged 25 to 74, cervical screening is recommended every five years through your healthcare provider. You still need regular screening if you’ve had the HPV vaccine.
Who does a cervical screening test?
It’s your choice. You can collect your own sample using a swab or have a doctor or nurse collect the sample. Talk to your healthcare provider about which option is right for you. If you have symptoms such as unusual bleeding, pain or discharge, self-collection may not be suitable, so speak to your healthcare provider.
Related: How the new cervical cancer test can save your life
Self-check of breasts
Breast cancer is the most common cancer among Australian females. However, males can also get breast cancer. Approximately one in 600 men are diagnosed with breast cancer in their lifetime.
You should be breast aware, which means being familiar with the look and feel of your breasts and seeing your doctor if you notice any changes. Being breast aware may improve your chances of detecting breast lumps and other breast changes earlier.
Here’s a guide to performing a self-examination for breast cancer.
What is a breast self-examination?
Being familiar with the usual look and feel of your breasts.
How often should I have this check?
Ongoing self-assessments.
Who does the check?
You do.
Related: How a breast cancer check can save your life
Mammogram
Screening mammograms can detect breast cancers before symptoms develop. Australian women aged in their 40s are eligible for free mammogram screening through BreastScreen Australia. You won’t get an invitation to screen (as this starts at age 50), but you can choose to have a free screening mammogram in your 40s.
What is a mammogram?
A mammogram is a special x-ray, which involves having images of your breasts taken from different angles.
How often should I have a mammogram?
There is no standard recommended frequency for people with breasts in their 40s. Check with your GP for individual advice.
Who does a mammogram?
A specialist radiographer (health professional specialising in breast imaging). You can find a specialist at one of Australia’s 750+ screening locations.
Bone mineral density test
Bone density tests can detect osteoporosis, a condition where your bones become less dense and prone to fractures. People in their 40s who have gone through menopause and also have other factors that can increase their risk of osteoporosis may be offered this test. Your GP can refer you for testing.
What is a bone mineral density test?
A bone density scan is a quick and simple test that uses a special type of X-ray, called a DXA or DEXA scan, to check the strength of your bones.It usually takes around 20 minutes and scans areas such as your lower spine and hip. You can stay dressed, just wear loose, comfortable clothing without metal and remove any jewellery. Your results will be sent to your doctor.
How often should I have a bone density scan?
It depends on the initial test results.
Who does a bone density scan?
A radiographer (health professional specialising in imaging).
Need some extra support?
At nib, we’re committed to keeping you at your healthiest, which is why we’ve put together a list of tips for keeping healthy in your 40s.
We also offer a range of Health Management Programs available at no additional cost for eligible members.4
These programs are delivered by qualified health professionals and designed to be tailored to your needs – whether that's to help get you in shape, keep you out of hospital, improve your physical and mental wellbeing or to aid a quicker recovery after you've had surgery.
For more information, check out our Health Management Programs page.
Is it time for a health cover check-up?
Everyone’s health cover needs are different. To help you understand what level of cover is best suited to you, get in touch with our cover experts today to learn more about what people like you are commonly claiming on and what cover would be the best fit.
If you’re not with nib, but you’d like to find out more about our cover options, get a quote today or contact our award-winning member service team on 13 16 42.
Please note: This is not an all-inclusive list; there may be other health checks that are recommended based on your age and individual circumstances. The tips throughout this article serve as broad information and should not replace any advice you have been given by your medical practitioner. Please make an appointment with your GP to receive advice on the health checks you will need based on your personal circumstances.
Aboriginal and Torres Strait Islander people are at increased risk of some diseases, and so are often recommended to start health checks at an earlier age. You may also be recommended to have the tests or checks more often. Please see your GP for personalised advice.
1nib First Choice providers (i.e. our network) offer competitive fees for many commonly claimed treatments and consultations. These fees are reviewed at least annually and are subject to change. Always check nib.com.au/health-services/find-a-provider before booking to see if your provider participates or simply ask your provider if they are part of nib’s network at the time of booking. Providers occasionally leave the nib First Choice network so it’s important to check before booking to avoid disappointment. Annual limits, service limits, waiting periods and T&Cs apply.
2Bulk-billed eye examinations are subject to Medicare eligibility. nib Eye Care Centres are owned and operated by The Optical Company (NSW) Pty Ltd ABN 32 153 741 970. The nib Eye Care Centre trademark is owned by nib health funds ABN 83 000 124 381 and is used under license by The Optical Company.
3Payment by nib of dental benefits is subject to serving relevant waiting periods, annual limits and service limits. Check your cover by visiting your member account or call 13 16 42. The dental check-up covers an examination or consultation (011 to 015), diagnostics (022, 037) scale and clean (114, 115) or removal of plaque (111), fluoride treatment (121) as deemed necessary and appropriate in the clinical opinion of the dentist (dentures not included). The services provided will be deducted from your annual limits and/or service limits. The No Gap offer is not to be used in conjunction with any other offer or government scheme, nor substitutable or redeemable for cash and is only available with dentists who have a No Gap First Choice network provider agreement with nib.
4Available to eligible nib members who’ve held Hospital Cover for 12 months and served their relevant waiting periods. Additional criteria vary according to each program. Contact us for more information and to confirm your eligibility for a program.