Insurance Medical Examination Tips
Make an insurance medical examination easier and less stressful for life insurance applicants
Insurance medical examination results are very important when determining whether or not a person will qualify for life insurance coverage and what
that coverage will cost the individual. An unknown or undetected disease or illness may result in abnormal findings in tests that are run for these
examinations. The results may also be altered by various other influences such as stress or fatique that may indicate a problem that does not actually exist. Here are some tips to make insurance medical examinations run more smoothly and be less stressful.
1. Get plenty of rest and go to bed early the night before an examination.
2. If you are stressed out, sick or overly tired prior to your examination, call to reschedule for a better time.
3. Avoid drinking alcohol 12-24 hours prior to an examination as alcohol levels will appear in the blood test results.
4. Avoid exercising for at least 18 hours prior to an examination.
5. Avoid eating for 2-3 hours before an examination so the blood sugar levels do not appear elevated.
6. Avoid drinking coffee, tea or soda for at 1-2 hours prior to an examination. Some diet pills and pain releivers also have caffeine in them. These products are caffeinated and will often show up in blood tests.
7. Do not smoke for at least 1-2 hours prior to an examination.
8. Report any medication(s) that are being taken at the time of an examination. Include name, dosage, and reason for usage when you list these. It is important to report all medication(s) whether they are perscriptions, non-perscriptions, or supplements.
9. Report any use of tobacco, drugs or alcohol for the past 30 days prior to the examination and/or any medical condition(s) that have been treated in that same time frame. Pregnancy, surgery or chronic conditions will often show readings outside of normal ranges but they may not be abnormal ranges for those specific conditions.
10. Be completely honest in answering the examiner's questions pertaining to medical history, current health and other information. If something abnormal turns up and has already been explained it will most likely be noted as such and not result in further investigation.
Many people are required to take insurance medical examinations and few people enjoy them. Try to relax and look at it as a routine procedure instead of a reason for the company not to insure you. Relax and it will be over before you know it.