requirement for your insurance application, your insurance company requests
medical information. Some of the procedures outlined below may be involved. For
your assistance we have provided you with a brief explanation of each procedure
and some tips.
Preparing For an Insurance Medical Examination
Ø Get a good night’s rest the night
before the exam
Ø Drink several glasses of water on
the day of the appointment
Ø Advise the Health Professional if
your upper arm bicep is larger than 14 inches in diameter – an appropriate size
blood pressure cuff is required
Ø Remember to present photo ID
(preferably a driver’s license) for identification purposes
Ø If you have a tendency towards high
blood pressure, schedule your appointment for a time of day when you are most
Ø Be aware that stress, caffeine,
nicotine and some prescription and nonprescription medications (incl.
naturopathic / herbal / homeopathic / vitamins) can temporarily raise your
blood pressure and pulse
Ø Avoid smoking and strenuous activity
/ exercise for 2 hours; also avoid alcoholic beverages, nasal decongestants and
all foods with poppy seeds for 24-hours prior to the appointment
Ø If taking prescription medication
have it ready for reference during the exam; you should take your prescription
medication as prescribed even if fasting is required; advise the examiner if
you are taking any over the counter medications
Remember to have your family
physicians’ name and address as well as dates and reasons for past visits
ready, especially those within the last five years
Health Professional will complete a health history questionnaire with you. In
addition your height, weight, blood pressure and pulse measurement will be
recorded. A urine specimen will also be collected. No disrobing is required.
Doctor’s Physical Examination
examination is done after the completion of a medical history questionnaire.
similar to an annual physical examination performed by your physician. Height,
weight, blood pressure and pulse measurements will be taken. Heart sounds will
be recorded and your abdomen will be palpated. A doctor will do the physical
addition to a detailed health history and physical measurements, your insurance
company may request the collection of specimens for testing. These specimens
are sent via courier to the designated laboratories. The results are then sent
to your insurance company for evaluation. All specimens and tests results are
handled in a secure fashion to ensure complete confidentiality.
applicant, prior to collection, must sign a consent form. This permits our
examiner to obtain the specimen and permits the laboratory to conduct the
necessary tests. Tamper proof tape is utilized to seal all specimens’
containers to guarantee security and confidentiality. Tests results will be
reported only to your insurance company’s underwriting department for
be advised if fasting is required for this test. If so, no food or beverage (excluding
water) should be consumed for at least 12-14 hours prior to your
appointment. Every attempt will be made to schedule an early morning
appointment. Please advise the Health Care Professional if you have experienced
difficulty (fainting/seizures/etc.) while having blood drawn previously. Any
medications being taken should be noted on the lab consent form. A sterile lab
kit will be used to draw blood. A number of small tubes may be drawn for
be advised to avoid any strenuous activity or heavy lifting for at least one
hour following the collection of blood to reduce the possibility of bruising.
No fasting is required. A
glass of water taken one hour prior to your appointment may help to provide the
specimen. You must wait for the Health Professional to arrive, as a special
collection kit must be used.
No fasting is required. Please do not rinse with mouthwash
prior to collection. A specific kit will be provided for this test.
An ECG is a recording of
the electrical impulses generated by the contraction and relaxation of the
heart. To record these impulses, contacts will be attached to your chest in a
semi-circular arrangement over your heart and to your arms and legs. A quiet,
private location where you can lie flat, in a relaxed position, is recommended
to ensure an accurate recording. This is a painless procedure.
You will be advised to refrain from smoking at least 1 hour
prior to this test. You may have a light meal 1-2 hours prior to your
appointment. However, refrain from consuming caffeinated or alcoholic
beverages. Continue all medications unless your doctor has asked you not to.
Please wear comfortable clothing (preferably shorts / track pants and a
t-shirt) and walking/running shoes. A towel is also recommended. The procedure
will involve riding a stationary bicycle or running on a treadmill while an ECG
test (as noted previously) is conducted.