If you need to undergo an insurance medical examination before purchasing a group, individual or family policy, there are a few general procedures that are commonly followed when you are applying for health, life or long term care insurance. Your medical history is often taken prior to the physical examination. You will be asked about doctors you have seen, surgeries you have had and medications you are currently taking. Your medical history and current health will have a great impact on your risk factors for your insurance policy. It will also help determine your premium rates for your coverage.
The physical examination performed by an independent paramedical will typically include checking blood pressure, height and weight. You will probably also be asked to provide urine and blood samples for additional testing. If you would like a copy of your results, you can request that in writing from the insurance company, which will then forward the report that the independent paramedical sends to them.
If you are eligible for forms like the I693 or 485, the insurance company will determine whether you need a physical examination or vaccination. Dental and vision exams are not usually included in this physical exam. These procedures are fairly universal, and will be consistent between life insurance companies no matter what types of benefits and coverage you are looking for. The examinations are paid for by the life insurance company. If additional tests are required with the examination, they are also set up and paid for by the insurance company. This process is a necessary step for nearly any type of insurance coverage, to determine the risk of the applicant, the benefits that will be received and the premium rate that will be quoted.