- Undergo evaluation and get your medical information verified by your life insurer
- Answer questions, provide medical samples, and undergo medical tests
- Test results will ensure correct details are available with the insurance company
The process of medical evaluation for life insurance is an opportunity for your insurer to verify the medical information and history you provide while making the life insurance application. The medical evaluation you will be required to undergo will be performed by a medical professional qualified to conduct such an examination.
What is a life insurance medical test?
A medical test is a necessity when it comes to buying a life insurance plan. The goal of the medical test is to find the exact condition of your health so that the insurer can create the best plan for you. These exam may include a physical, blood test, urine test and medical history. Not just for life insurance but medical test for term insurance is also required in most of the cases.
The stages of life insurance medical evaluation
Your life insurance medical test or medical test for term will generally take place at a designated clinic, of the insurer’s choosing. A medical professional will collect the samples, test you and evaluate you on the questionnaire. Taking about half an hour, the whole process will, in general, involve three phases:
- Verbal questionnaire
A questionnaire will be provided to you by the medical professional evaluating you. You will be required to verbally provide answers to these questions as accurately as possible, to the best of your knowledge.
- Standard samples
This phase will involve the collection of various medical samples such as blood, urine, etc.. These samples will then be medically evaluated for various diseases. The results will be used to verify information provided during the questionnaire session and on the application.
- Medical tests
Further tests may be conducted to further ascertain your eligibility depending on your age and the coverage you are seeking. Again, these test results will be used along with the rest of the obtained information for determining your life insurance eligibility.
Types of questions asked during the questionnaire stage
You will be required to answer questions regarding your medical history. These will include history of hospitalizations, types of medicines you need to use on a regular basis, medical procedures you have undergone during your lifetime, and about existing conditions.
You may also be required to reveal your family’s medical history and information about the doctor or the medical facility you generally visit when required. Additionally, your lifestyle habits such as smoking, alcohol or drug use and physical activity will also be inquired about. Also, if you have a history of anxiety, depression, or other mental conditions, you will be required to explain the same in details.
Procedures during the sample collection and life insurance medical test
Here are the steps you need to undergo during your overall medical evaluation:
- Measurement of height and body weight
- Collection of blood sample to be tested for blood glucose, cholesterol, protein and immunocompromising conditions such as HIV
- Urinalysis for nicotine, drugs, glucose, protein, creatinine, HIV and other diseases
- Measurement for blood pressure
- ECG or EKG for cardiac conditions
Choose Exide Life Insurance today to avail the coverage of your choice. Be armed to protect the interests of you and your family in the face of any hazard life throws at you!
