JobzbrvNervous about the paramedical visit? Here is what usually happens and how to prepare.
Who has to take one
Many applicants for larger policies are asked to complete a short exam, though some insurers offer no-exam options at higher prices.
What the visit involves
A nurse typically records height, weight and blood pressure, takes blood and urine samples and asks about your medical history. It often lasts under 45 minutes.
How to prepare
Drink water, avoid heavy exercise and alcohol beforehand, take your usual medicines unless told otherwise and have a list of doctors and prescriptions ready.
Honesty is essential
Incorrect answers can cause a claim to be denied later. Share the facts and let underwriters weigh them.
After the exam
Results go to the underwriter, who sets your risk class. Better classes bring lower premiums.
If the offer is high
You can compare other insurers, since each judges the same health data differently.
General information only, not financial or insurance advice.