Before issuing a policy, an insurance company needs medical information about you, the applicant. A certified medical professional gathers this information during a paramedical examination. The medical professional will ask you questions about your medical history and record your blood pressure, pulse, height and weight. The insurance company may also require an EKG, urine sample, blood sample or a saliva sample. The exam will last approximately 30 to 45 minutes, depending on the length of your medical history. You will not be required to undress during the exam.
APPOINTMENT AND LOCATION
An EMSI representative will call you to schedule an appointment at a local EMSI examination center or you can schedule the exam at your home or office if mobile service is available in your area.
PREPARING FOR YOUR EXAM
Below are some tips to avoid artificially high blood pressure/pulse readings and to ensure the best examination results:
- Avoid foods unusually high in salt content for 24 hours prior to your exam
- Get plenty of sleep the night before your exam
- Follow any fasting requirements closely
- Avoid all alcoholic beverages at least 8 hours before your exam
- Avoid tobacco of all forms and caffeine beverages at least 1 hour before your exam
- Drink a large glass of water 1 hour before your exam so you can easily obtain a urine specimen
- Avoid strenuous exercise at least 12 hours prior to your exam
Make a list of all your current medications and bring them to the exam. Be sure to include dosage, frequency and name of prescribing physician to save time during the exam.
All information is strictly confidential. Blood testing, urine and saliva collections provide important information for underwriting purposes and all testing is performed by a laboratory. Your results are sent only to the insurance company. Contact your agent to request a copy of your lab results.