A medical insurance examination may be requested by a person’s life insurance company.
Its purpose is to provide information on general health and medical history in order to accurately process the life insurance application. A qualified doctor is required to perform this examination, and the information will be used in the company’s decision to accept the application, and determine how much the annual premium is likely to be.
There are usually two stages to this examination.
In the first part, the doctor will need to conduct a medical consultation where a series of questions are asked. Patients will need to provide information regarding their general health, personal medical history and family history, smoking status, drug use and alcohol consumption. We will also measure the patient’s height and weight, and take their blood pressure.
The second stage will require some samples to be collected, including a urine sample and a blood sample. These will be used to assess the patient’s cholesterol and blood sugar levels. An ECG (echocardiogram) will evaluate the person’s heart health.
A medical insurance examination is not a legal requirement, although companies who ask for an examination to take place often charge lower premiums than those who don’t. The One Clinic will usually ask that a patient comes to the clinic for the assessment, and the results are provided within 7 days.
