You will need to provide details concerning your medical exam when buying life insurance. It is therefore important to know what to anticipate in a paramedical exam and how you should get prepared. If you are in any way familiar with life insurance then you are aware that part of the process is a medical exam. Whether you are looking at term or whole life insurance, the insurance provider will want to access how wealthy you are as well as how likely it is that you are going to stay healthy in the future. A paramedical exam is a terminology that is used by the insurance companies mostly because it does not need a clinical doctor. The meeting is a bit less formal because it basically involves questions and answers and a few medical exams. Even though the exam is not that very intensive, it can have a very big significant impact on your rates and coverage choices. Discussed below are some of the most important things to note about the paramedical exam and how you need to get prepared for the test.
It is good to note that insurance companies are not equally created. It is not all policy types that need a full examination. There are different pieces that may be part of the exam you need to learn so that you can be prepared and know what to expect.
The insurance company will want to know your medical history. The company wants to know how healthy you have been in the past and also be aware of any potential red flags. For instance, if your medical history shows that there is a big possibility of heart attack in your lineage, this can affect your premium rates. In most cases, your insurance provider can contact your doctor and get copies of your medical history but with your consent. They cannot get the documents without your approval because of the regulations. You, therefore, don’t need to get worried about sharing your personal info. Until you are ready to move on with the company.
The second thing you need to know about the paramedical exam is that the clinician will take a variety of measurements such as age, weight, height, heart rate, and blood pressure. If you are worried about the exam, make sure you notify the clinician so that you can take some readings so that the results can be accurate. In some cases, waiting for a few minutes between measurements should allow your body to calm down.
It is natural to be nervous before the tests. For you to have a painless and smooth process, make sure you do these simple things.
You need to avoid eating or drinking anything 24 hours before the test. This is because urine and blood samples can be easily thrown off by food and digestion.
The second thing is that you need to wear comfortable and loose clothing.
You also need to stay hydrated. This is to make it easier for the clinician to draw blood.
It is advisable to avoid exercising the day before as this can alter the readings by adding excess protein into your urine and bloodstream.