Health Checkup Strategies for Purchasing Life Insurance

The physical examination before purchasing life insurance will confirm whether the health details you provided to the insurance company for the first time are true. If a new health problem is discovered, the amount of your premium may also be changed.

When you buy life insurance, you will get a quote, which may later become the premium of your policy.One of the most important factors that insurance companies use to determine a quote is your medical history and current health.

The insurance company asks you to go for a physical examination when underwriting, just to get a direct understanding of your current physical condition.

What is a medical examination?

Whether it is life insurance or disability insurance, medical/paramedical exams are "standard."It can confirm whether the health details you provided to the insurance company for the first time are true, and if you discover a new health problem, it may also change the amount of your premium.

This medical examination is completely free, the insurance company will pay for this fee for you, and you can save a copy of the medical examination results for other purposes.

Let us lead you to understand together:

• Physical examination process
• Some indicators that are usually checked by a physical examination
• Ready to work
• Work after the medical examination
• Is it OK not to have a medical examination

Physical examination process

There is no difference between a life insurance physical examination and a hospital examination.However, because it is difficult to make an appointment for a physical examination, you can choose to ask a medical staff to come to do the physical examination for you.The entire physical examination process may last 30 minutes.

The medical staff will lead you to perform the same routine examinations as at the doctor, that is, measure your pulse, blood pressure, height and weight, and then calculate your BMI (body mass index).If you are an older applicant, or if the insurance coverage you apply for is larger, the medical staff may also take you for an ECG examination.

Later, the medical staff will ask you some health-related questions to help the insurance company confirm the information in your insurance policy application. The medical staff may ask about the prescription drugs you are taking and the doctor you have recently visited. Please be prepared .

It should be reminded that you will be required to have a blood test, and it is best to be prepared if you faint.Of course, urinalysis is also necessary in most cases.

Insurance companies share: How to get better physical examination results (lower premiums)

The result of the physical examination directly determines the premiumTherefore, we should strive to obtain better medical examination results. The following are recommendations from life insurance companies and precautions before the medical examination:

• Rest early the day before the check-up and get enough sleep
• Do not drink alcohol and any alcoholic beverages before the physical examination
• Do not drink caffeine-containing beverages for at least 8 hours before the physical examination
• 24 hours before the physical examination, reduce the high-salt and high-cholesterol diet.
• Do not do a lot of vigorous exercise within 24 hours before the physical examination

Some indicators that are usually checked by a physical examination

The physical examination will include the following indicators:

• hypertension:In view of the fact that the physical examination may detect that you are taking β-blockers or blood pressure control drugs, we recommend that you stop using the drugs in advance rather than cover them up with drugs.
• High cholesterol:High cholesterol increases the risk of heart disease and stroke.
• Hyperglycemia:High blood sugar is usually a sign of diabetes.
• Nicotine index:Smoking or not is one of the main factors that determine your premium, because it can cause a variety of health diseases, ranging from breathing difficulties to a variety of cancers.E-cigarettes are no exception. Almost all insurance companies treat e-cigarettes as similar to conventional tobacco, which means that if you smoke e-cigarettes, the price of the insurance policy will be the same as the premiums of the people who smoke conventional tobacco.
• Drug use:Insurance companies will not bill people who take drugs.
• AIDS and hepatitis B:Like other diseases, this is what you must check.Of course, the risk of insurance companies guaranteeing AIDS and hepatitis B patients will greatly increase.

note:Do not exercise for more than six hours the day before the physical examination, and try to avoid eating on the day of the physical examination.We recommend that you schedule your physical examination in the morning to avoid starving all day because you cannot eat.

In addition, wearing clothes that are easy to put on and take off can not only facilitate the work of the medical staff, but also make you more comfortable during the physical examination.Short-sleeved and easy-to-pull clothes are good choices.

Work after the physical examination

After the physical examination is completed, the medical staff will hand over your physical examination report to the insurance company to complete the remaining work.

Before the medical examiner prepares to leave,PleaseinitiativeAsk the medical examiner"Barcode for physical examination (as shown below)"And the "Guide" to ask how to use the barcode to query the medical report.

The medical examiner should leave you a copy of the medical report inquiry guide, and the inquiry number, as shown in the picture above.

Combine your age, family medical history and lifestyle habits,The insurance company will help you determine the classification of your life insurance, from the best (low premium with high risk) to the most unfavorable (high premium with high risk). For healthy policyholders, it is usually divided from "best" to "normal" 4 levels

• Preferred Plus,
• Preferred,
• Standard Plus,
• Standard and Substandard 

If it goes well, you will get a response within 2-8 weeks.

You can request a copy of the medical report. If you need it, you can use it to apply for other insurance within six months.It can also be said that receiving a life insurance medical examination is equivalent to receiving a free medical examination in a certain sense.It is worth mentioning that, just like going to a doctor, the physical examination report this time will be part of your health record, and to a certain extent will be related to your future insurance quotes.

Ideally, if you insist on exercising, pay attention to your diet, and stay away from bad habits, you will be sure to get a very cost-effective insurance policy after passing the physical examination.But if you are not satisfied with the results of the physical examination, don’t worry, you can ask the insurance company to arrange a second physical examination for you.However, the results of the first physical examination will not be cancelled, and the combination of the results of the two physical examinations will be your official result.

After purchasing the policy, as long as you promise that you will pay attention to your health, certain insurance companies will allow you to re-examine after one year. If your physical condition is better after one year, you can apply for a re-physical examination. If the physical examination indicators are obvious If you improve, your premium will be reduced accordingly.

Can I not go to the medical examination?

Can I get an insurance policy if I don’t want a medical examination for personal reasons?The answer is yesYes, but because the insurance company does not know enough about your information, your premiums may be more expensive.Here we take you to quickly understand the life insurance products that can be applied for without a physical examination:

• Life insurance policy without physical examination: If you are young and healthy, an insurance company that does not require physical examination will issue an insurance policy for you based on your health questionnaire.If you have a major illness, you cannot get such quick insurance.
• End-of-life life insurance policy: This type of insurance policy is set up for the elderly who have health problems and cannot purchase general life insurance.It is aimed at resolving the dying expenses and debts of the elderly.The disadvantage of this policy is that the premium is generally high and the coverage is relatively limited.
• Life insurance policies with insured amount that meet the requirements: Similarly, for healthy policyholders, when insuring whole life insurance products (such as index universal insurance), when the insured amount is not large (such as less than 50), some insurance The company may simply dispense with medical examinations.

>>>Click to visit 2020List of life insurance companies that do not require medical examinations