We want to ensure that your application for insurance is a comfortable process that leads to a successful outcome. The following guide will serve as a helpful resource to help you prepare for your upcoming insurance medical.
What to Expect During Your Medical Exam
Once your insurance application has been submitted to your insurance carrier, a third-party paramedical company will contact you to arrange your appointment(s) to collect the required medical information for your application. They will tell you which procedure(s) you will need to complete for your application. The medical requirements associated with your application will be dependent on your age as well as the amount of insurance being applied for. The following is a description of the most common requirements and what you can do to help yourself prepare.
(Click below for details)
Paramedical Examination
Procedure
- A health professional will arrange to meet with you at your home
- You’ll be asked about your health and family medical history
- This may be similar to the questions your advisor has asked you
- Your height, weight, blood pressure and pulse rate will be measured
- A sealed kit will be used to collect urine if required
How you can prepare
- Allow 25 to 35 min for this examination
- Have your photo ID ready to confirm identification
- Have names and dosages available for any medication you are taking
- Have the name & contact info of your regular physician
- Date & reason of your last visit to the doctor
- To ensure privacy, please complete the paramedical questionnaire in an area that allows you to disclose your health history confidentially
Tele-Interview
Procedure
- Conducted by phone by a trained medical interviewer
- You’ll be asked about your health and family medical history
- The interview will be digitally recorded
How you can prepare
- Allow 30 to 45 min for this interview
- Have names and dosages available for any medication you are taking
- Personal identification documents, e.g. passport or driver’s license may be required for the purpose of identity verification
Urine Collection
Procedure
- Conducted by a health professional
- A sealed kit will be provided to you to collect urine
How you can prepare
- Allow 10 to 15 min for this appointment
- No fasting is required
- Drink a glass of water about one hour before to help provide a sample
- You will be asked to sign an authorization slip
- Please have photo ID to confirm identification
Blood Collection
Procedure
- Conducted by a health professional
- A sterile sealed kit will be used to collect blood
- Up to three vials may be drawn for different tests (approx. 25cc)
- A urine sample is also taken with all blood collections
How you can prepare
- Allow 10 to 15 min for this appointment
- You will be told if fasting is required when you book your appointment
- You will be asked to sign an authorization slip
- Please have photo ID to confirm identification
Physician's Examination
Procedure
- Conducted by a physician in a clinic or hospital
- You’ll be asked about your health and family medical history
- This will be similar to questions your advisor may have asked
- Your height, weight, blood pressure and pulse rate will be measured
- You’ll undergo a complete physical examination
How you can prepare
- Allow 35 to 45 min for this examination
- Disrobing may be necessary
- You can refuse a breast or prostate exam if you are uncomfortable with these procedures
- Have names and dosages available for any medication you are taking • Please have photo ID to confirm identification
(ECG) Resting Electrocardiogram
Procedure
- Conducted by a health professional
- This is a painless procedure that records the electrical impulses generated by the contraction and relaxation of your heart
- Leads will be attached to your chest in a semi-circular arrangement over your heart as well as to your arms and legs
How you can prepare
- Allow 20 to 30 min for this appointment
- Partial disrobing is required, so please wear a button-down shirt or blouse
- No fasting is required
- Avoid lotions on the day of your appointment
- You must lie down, so arrange to have access to a bed or couch
- Please have photo ID to confirm identification
Stress ECG
Procedure
- Completed at a medical clinic or hospital
- You will be required to run on a treadmill or pedal a stationary bike while an ECG test is being conducted
How you can prepare
- Allow 30 to 45 min for this appointment
- Wear loose, comfortable clothing
- Refrain from smoking for a least one hour prior
- A light meal is allowed one to two hours prior, but you cannot consume caffeine or alcohol
- Continue any medications as advised by a doctor
- Have names and dosages available for any medication you are taking
- Please have photo ID to confirm identification
Inspection Reports
Procedure
- This is a telephone interview which can include questions regarding your occupation, lifestyle, financial information and other information
- Conducted by a trained, licensed inspector
How you can prepare
- Allow 20 to 40 min for this interview
- Be prepared to discuss financial details, including your annual income and net worth
- Verification of annual income will be required
