A medical examination is typically conducted by a healthcare professional selected by the insurance company. This can occur either in your home or at a medical office in Pittsburgh, PA. Standard procedures during the exam include measuring your height, weight, blood pressure, and pulse. Furthermore, the health professional will obtain blood and urine samples to assess for underlying conditions like diabetes, high cholesterol, or nicotine usage.
You might be asked about your medical history, which might include topics like previous surgeries, medications you’re currently using, and any family health conditions. The exam results, in association with your medical records, provide the insurance company with an exhaustive depiction of your present health and potential future risks.
Influence of Medical Exams on Premiums
The outcome of the medical exam significantly affects the premiums payable on your life insurance policy. If your health is deemed good based on the examination results, you’re more likely to receive favorable rates. However, health concerns like high blood pressure or a smoking history could lead to an increase in premiums or placement of restrictions on your policy. Unhealthy practices are factored in by insurance companies prior to the commencement of the underwriting process.
Exam Preparation
Avoid alcohol, caffeine, and nicotine for at least 24 hours before your exam to ensure more accurate results. Fasting might be required a few hours prior to the exam, mainly if blood tests are involved. Good preparation can better your exam outcome and potentially lower your premiums.
Daniel Carinici Agency LLC For a More Comprehensive Understanding of Insurance
Daniel Carinici Agency LLC can help you find all the necessary information for your insurance needs. We serve residents in and around Pittsburgh, PA. Contact us today.
