Some of you might be asking “what the .. what’s a paramedical exam?”. Simply put; it is a personal interview with you to collect information about your current health, and medical history.
These exams will generally include recording height, weight, blood pressure, and pulse. However, depending on the insurance company, and underwriting guidelines based on your age and amount of coverage applied for, the healthcare professional (from here on out I will use the word nurse) may also need to collect blood, urine, oral fluid, and a copy of an EKG, or X-ray.
It is important to complete your medical requirements as soon as possible so the underwriting can be completed on your insurance application. A decision will not be able to be reached until all medical underwriting has been completed.
Some helpful hints to follow leading up to your paramedical exam are:
– Avoid strenuous activity for 24 hours before your appointment
– Avoid consumption of alcohol for 24 hours before your appointment
– Avoid caffeine for a few hours before your appointment
– Avoid foods high in salt, fat, and cholesterol for a few hours before your appointment
– Avoid over eating for a few hours before your appointment
– Avoiding smoking for a few hours before your appointment
Have you done some of the above? Are you sick? Are you stressed? – Consider rescheduling your appointment.
Get the best results by preparing ahead of time. In order to make processing your insurance application as smooth as possible, you need to prepare for the following to happen:
– The nurse will come to see you and they will need to complete a health questionnaire.
– It usually takes 30-45 minutes, but be sure to leave extra time. An hour is usually more than enough.
– If the nurse is coming to take blood or urine sample it is important that you drink at least 2 glasses of water prior to the appointment.
– If you are hydrated it makes drawing blood and providing a urine sample easier.
– The nurse will ask you to provide the name of your current family doctor along with his/her contact information.
– You will need to provide approximate dates and reason for your visits over the last 5 years.
– The nurse will ask about medication you are on.
– Be prepared by writing down the names of prescriptions and dosages.
– The nurse will also ask for Photo ID.
– Have your driver’s license or another photo ID ready.
If you have ‘white coat syndrome’, or want to talk about a strategy on how to potentially reduce your premium by using the above tips, don’t hesitate to contact me.
Tyler Brown – Financial Security Advisor
WP: (519) 648-9580
CP: (519) 212-9859
FX: (519) 489-2740
244 Woolwich St. South, Unit #1 ~ P.O. Box 261 Breslau, ON ~ N0B 1M0