Medical testing
Medical testing, classified under risk assessment in insurance, refers to procedures such as blood tests and urinalysis used by insurers to evaluate an applicant’s health. Insurers request medical testing primarily for life insurance policies exceeding $500,000 in value or applicants above age 50.
Medical testing often includes examples like HIV screening, cholesterol panels, and liver function tests. Insurance companies select specific medical tests based on policy type and disclosed health history, according to YourInsurance.info (Your Insurance Info).
Blood pressure readings and body mass index measurements from medical testing impact underwriting decisions directly. Abnormal medical test results–such as elevated A1C or positive nicotine markers–increase premium costs or cause policy denial.
Medical testing usually occurs at approved third-party labs contracted by insurers like ExamOne or APPS Paramedical Services. Most insurers cover the full cost of medical testing required during underwriting, eliminating out-of-pocket expense for applicants.
Applicants can access copies of their medical test results by requesting them through their insurer or testing vendor. Refusing required medical testing leads insurers including Prudential and State Farm to deny coverage automatically.
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See also Medical testing costs.