As you shop for life insurance, you might dread the impending medical exam. It can feel invasive and nerve-wracking as medical professionals review your entire medical history and your current health status. Medical Profiles, Inc. provides ExamOne life insurance testing at our exam center in Houston, TX, or at your location through our mobile services.
Ease your anxiety about application process requirements by learning more about these medical exams.
Why Insurance Companies Require Exams
A paramedical exam dives deeper than your average doctor visit. Life insurance companies require them to assess your current health state, your risk for health conditions like immune disorders, and your mortality risk. Ultimately, they help insurance providers decide whether they should provide you with a policy and what type of policy would best benefit your situation.
Many people don’t know their health status in detail. Others may also exaggerate the details surrounding their health status in a bid to get better premiums and coverage. Insurance companies circumvent these issues by turning to medical professionals for a thorough report about each individual.
What Does a Medical Exam Involve?
During the ExamOne life insurance testing process, medical examiners typically focus on three aspects: a questionnaire, a thorough inspection of your family and personal medical history, and a physical exam. You’ll fill out the questionnaire with the following information:
- Age
- Sex
- Height and weight
- Current and previous medications
- Current and previous substance addictions or uses
- Allergies
- Known health conditions
Provide truthful responses to avoid conflicting information between you and the examiner.
Your examiner will then review your personal and family medical history. Your family’s medical history can influence yours, so they may ask whether your immediate family members have suffered from certain health conditions.
The examiner may also procure information from your current and previous healthcare providers with your permission. They can use this information to more fully understand your current health status. Finally, you’ll submit to the physical exam.
What to Expect During a Medical Exam
You can complete the exam portion either at your residence in Houston, TX, or at the exam office. Your examiner will check the following health indicators:
- Blood pressure
- Weight
- Samples of blood and urine
- Cognitive health via a series of tests (for senior adults)
- Most exams take around 30 to 40 minutes.
Preparing for an Exam
Thorough preparation can take the edge off of any anxiety you may feel and reduce your exam time. Use the following guide to inform how you prepare for your upcoming exam:
- Avoid foods high in salt and cholesterol, nonprescription medications, and substances like alcohol and tobacco for 24 hours before your exam appointment. These substances can alter your blood pressure and blood samples.
- Don’t exercise in the 12 hours leading up to the exam. While regular exercise promotes health, it can also trigger false readings.
- Avoid substances that contain caffeine during the six hours leading up to your exam. Instead, opt for water to stay hydrated and balanced.
- When you arrive for your exam, have your identification and application on hand and filled out. Choose a shirt with sleeves you can easily roll up for blood pressure readings.
- Following these guidelines will help you achieve the best exam results for your life insurance application.
- False results from samples or blood pressure readings can affect your rates or result in application denial. Thus, prioritize your intake of certain substances.
Choose Accessible ExamOne Life Insurance Testing From Medical Profiles, Inc.
At Medical Profiles, Inc., our medical professionals make the process as stress-free and easy as possible. We provide ExamOne life insurance testing for Houston, TX, residents both at their homes and in our office.
Schedule your exam today at (832) 251-3926.
