Fundamentally, no exam disability insurance acts like any other type of disability coverage — it replaces a portion of your income if you experience a disabling event that prevents you from earning an income. But as its name suggests, no medical exam disability insurance enables eligible applicants to skip that pesky exam often required for medical underwriting. This provides a much faster and easier route to obtain coverage for healthy, employed individuals. In some cases, these types of policies provide coverage to people who may not be able to get traditional disability coverage.