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Wednesday, April 15, 2009

Why You Tested By Insurance Companies Before Getting Insured.

By Don Bethune

Insurance companies require people to obtain a medical examination before it would agree to cover you. These medical examinations carried out by paramedics, who are licensed health professionals. Some of the medics working under contracts for the insurance companies, and come to your home to conduct such tests. Test the second step, which usually comes after you have filled in the medical questions on Part I, or as called by some insurance companies Part A of the insurance policy.

This medical examination carried out either at home or in the office and necessary for those who enjoy just for the sake of insurance. A potential insurance company you may also be required to provide them with the attending physician's statement. This statement is from your personal doctor.

A basic exam consists of the paramedic taking physical measurements of weight and height, pulse, blood pressure, blood as well as a urine sample. Some insurance providers may require you to go to a physician of their choice for this test but fortunately they do in deed cover all the expenses for these tests. During the test you may also be required to fill out the paramedics form.

According to the person's age may be required for the exercise of the heart such as the operation in a vicious circle. This is mostly for older people, who wish to policies worth hundreds of millions of dollars. For those who applied to the low value of life insurance policy valued at less than U.S. $ 50000, it may not be required to undergo examination sub.

Insurance companies to carry out these tests to check whether you may have life-threatening circumstances, you probably will cause death more quickly in order to protect themselves from risk. Samples of body fluids like blood and urine, usually carried out with HIV, kidney disease, diabetes and other life-threatening diseases.

For these examinations, and blood can be drawn using only a needle prick or finger. For young people only get a finger Piercingly. Usually check the urine to confirm the presence of certain drugs, cocaine and marijuana and other hard drugs.

If you are worried about the upcoming examination, you should follow the following tips to ensure you sleep well at night, sleep, do not drink to reduce fat intake, or not to salty meal the drinks containing caffeine for several hours, you examination. These guidelines will certainly help you improve results.

The results are sent to the insurance firm so as to be reviewed by the underwriter. If you would like a copy, simply write a letter to the insurer asking for one. The results are studied and the insurance company decides whether or not to grant you the insurance, and if yes, set your premium.

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