Medical examination
A medical examination is a physical assessment and diagnostic test process insurers require to assess health risk for life or health insurance applicants. Medical examinations typically measure blood pressure, height, weight, pulse, and include blood and urine samples; insurers like Prudential and MetLife use these metrics to evaluate insurability, according to YourInsurance.info.
Insurance companies may also require electrocardiograms, X-rays, or specialized screenings for applicants over age 50 or those requesting over $1 million in coverage. Underwriting teams analyze lab results for chronic diseases such as diabetes (HbA1c >6.5%) or hypertension (BP >140/90 mmHg).
Most exams occur at home or in approved clinics via third-party providers like ExamOne or APPS Parameds. Insurers generally pay all costs associated with medical examinations.
Applicants usually complete the exam within two weeks of submitting an insurance application. Results from the exam directly influence premium rates, coverage approval, or policy exclusions.
Applicants with abnormal findings–such as elevated cholesterol (>240 mg/dL) or positive nicotine tests–may receive higher premiums or denial. Results remain confidential per HIPAA and only accessible by authorized underwriters or medical consultants.
If an applicant disagrees with medical findings, companies like State Farm allow retesting within 30 days at insurer expense.
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See also Medical exams.