A medical examination for life insurance is similar to a regular check-up at a hospital. Clients have the option to request healthcare professionals to come to their location for the examination. The entire process typically lasts around 30 minutes, although it may take longer for older applicants or those applying for higher coverage amounts.
Healthcare professionals will conduct routine checks, including measuring pulse, blood pressure, height, and weight, as well as calculating the BMI (Body Mass Index). For older applicants or those applying for higher coverage amounts, an electrocardiogram (ECG) may also be performed.
Afterwards, healthcare professionals will ask health-related questions to help the insurance company verify the information provided in the application. They may inquire about current prescription medications and recent doctor visits, so it is important to be prepared. It should be noted that blood and urine samples will be collected.
Special attention should be given to the following: Avoid exercising for more than six hours before the examination and refrain from eating or drinking carbonated beverages for at least six hours prior to the examination. Drinking water is allowed and encouraged during this time.