Thursday, July 5, 2012

Exam For Term Life insurance - What's It All About?

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What is a para-medical exam and how long does it take?

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A para-medical exam consists of some questions about your healing history, measurements of your height and weight, blood pressure and pulse. A urine specimen is also collected. Undressing is not required and the exam ordinarily lasts 20 to 30 minutes. Your application for insurance is not unblemished until we have obtained this considerable information.

Why will a urine specimen be collected?

A urine specimen will all the time be collected while a para-medical exam. The tests done are considered by the insurance enterprise and are performed by a laboratory. The test results will be sent only to the insurance enterprise and are used in the underwriting process.

What happens to this information?

All of the data obtained while the para-medical test is strictly confidential and for insurance purposes only. It will be forwarded to the insurance enterprise for impart to help value your personel policy.

How is the appointment made and where?

The Para-medic enterprise will call you to schedule a date, time and place suitable for you. You may elect to have the exam completed at your home or office, or many habitancy prefer to come to our location. You make the decision to fit your schedule.

Medical Services

What qualifications are required of physicians and what services do they perform?

Sometimes a physician is required by the insurance enterprise to perform the examination. The Para-medic enterprise contracts with physicians who have a current license, are in good standing and convention in a specialty area stylish by the insurance enterprise and the paramedic company. These physicians provide services such as healing exams, treadmill Ecgs, X-rays, etc.

Blood Testing

Why is blood testing required?

Blood testing has been found to provide important data for underwriting purposes. A wide range of tests are completed by a laboratory and the results are sent only to the insurance company.

How much blood is required?

Less than one ounce of blood is drawn from a vein, into 1-3 vials, by experienced personnel. You may be required to fast from 4-12 hours depending on the requirements of the insurance company. You should guidance your examiner if you have had old problems such as fainting, nausea, are currently taking large doses of aspirin, have mystery clotting or bruise easily.

Can you get an infectious disease from this blood draw?

No. The sterile materials used are in disposable kits and used only once. The examiner will open the kit in front of you as well as show the seal being broken on the sterile needle.

What tests will be completed?

Each personel insurance enterprise selects the tests they need for the underwriting procedure. The Para-medic enterprise is requested only to collect and prepare blood for analysis; the insurance enterprise gives instructions to the lab with regard to exact tests. You are required to sign a consent form and a chain-of-custody form for your own protection.

Who will receive the results of your test?

The lab sends the results directly to the insurance company.

Electrocardiogram (Ecg)

What is an electrocardiogram?

It is a recording of the electrical impulses linked with cardiac contraction and relaxation. The Ecg does not cause any pain.

What should I expect?

You will be asked to lie down flat with your shirt unbuttoned in order to place the leads on your chest. Women must take off stockings prior to the exam.

What can I do to support the technician to collect a good Ecg?

The best preparation is to remain calm and totally relaxed to preclude muscle interference.

Examination Checklist

To save you time and to collect the best inherent results, please effect these helpful suggestions:

1. Blood pressure and pulse can be artificially raised by stress, alcohol, caffeine and tobacco. Get a good night's sleep the night before the examination. Abstain from alcoholic beverages for at least eight hours prior to the exam. Do not smoke or chew tobacco for at least one hour prior to your examination. Avoid drinking coffee, tea or caffeinated soft drinks for at least one hour prior to your examination. Limit salt intake and high cholesterol foods 24 hours before your examination. You should not engage in strenuous corporal activities 24 hours before the examination.

2. Suggest your Para-medical examiner with regard to any medications you are taking, even non-prescription medications. Have ready your physician's names, addresses, dates of past visits, names of any prescribed medications and any data with regard to injury and major illness while the old five years. If you belong to Kaiser or any other prepaid healing plan, have your healing description estimate available.

3. Drink a glass of water an hour or so before your appointment. This will help in obtaining a urine specimen..

4. If a blood specimen is required, you should fast agreeing to victualer directives prior to the test unless otherwise instructed.

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