Insurance Physical: What to Expect

I will have my first insurance physical maybe next week.

Please help me with your experiences as to what all will happen.

It is my first time.

It will vary depending on what type of policy it is, your age and how much the disability or death benefits are.

For a moderate size policy when I was in my 20s, there was blood work, urine sample and vital signs by a nurse. That's it - 30+ years ago.

No idea what the practices are in India. However, I feel certain they will mainly be looking for evidence of life shortening illnesses or diseases.

I had an examination for an insurance policy back when I was in my twenties. I had to go to a private house which I assumed was the doctor's residence. I imagine the doc did these medical exams for insurance companies as an addition to his normal practice.

He already had the form which I'd submitted to the insurance company to hand and I was invited into what appeared to be just an ordinary downstairs room. The room had an old wooden desk and an old leather exam couch of sorts but no medical posters or even an eye chart were in evidence. The doctor was in his fifties I would guess and quite smart wearing a suit. I was asked to undress to the waist and remove my shoes and socks whereupon my eyes, ears and mouth were examined. My blood pressure was taken and reflexes checked. The doc applied a tuning fork to various positions on my head asking if I could hear the sound. My chest was auscultated front and back. I was asked to breathe deeply with my mouth open during some of the auscultation. I was told to try to touch my toes which I could manage in those days. I was next asked to lie on the couch and open my trousers and lower them a little. My abdomen was palpated and auscultated. I was then asked to stand and lower my trousers and briefs to my ankles. The doctor sat upon a stool in front of me and proceeded to examine my penis and testes, had me turn my head and cough checking both sides then said "That's it, you may dress, the insurance company will have my report in a few days." With that I left. There was no rectal exam, maybe I was young enough not to warrant it.

The experience has remained with me all these years and although I did have a medical fetish I'm certain this examination made it even stronger.

My last insurance exam was very simple. She came to my home, had me fill out a form, took blood, and left. There was no additional physical exam. I was, however, just 22 at the time.

Thanks for the replies everybody

I've never had one. Curious as to why they're necessary.

World1187 said

I've never had one. Curious as to why they're necessary.

The insurance company wants to know what they are insuring.

They don't want to give a $1,000,000.00 policy to someone who has a fatal disease and will die in the near future, among other things.

Beyond that, they aren't your mother and don't care what your condition is.

Normally Yp4zb most insurance exams takes about 30 mins. During the paperwork portion, you'll be asked for a photo ID and a list of your current and former doctors, including addresses and phone numbers. You'll also be quizzed about the state of your health, including current therapies, medications and vitamin supplements, and about whether you smoke, drink, use drugs or engage in dangerous pastimes, such as sky diving, caving rock climbing etc.

Once the paperwork's completed, they will check your height, weight and pulse rate, draw your blood, request a urine sample, check your blood pressure and, in some cases, administer an electrocardiogram, or EKG. Most insurers make the results of your exam available to you or your doctor. If you can avoid alcohol, your blood test will show that you don't have alcohol onboard, that's going to look better to an underwriter.

Hope this helps .

I see those ads on the tv, saying you are garrantied acceptance, no medical exam needed.....

I always think to myself, "nah, I'll go look elsewhere for insurance then" 😉

I want that medical exam!!!

I see those ads on the tv, saying you are garrantied acceptance, no medical exam needed.....

I always think to myself, "nah, I'll go look elsewhere for insurance then" 😉

I want that medical exam!!!

Those are for the 50-85 year old set.

They advertize the insurance covers "final expenses". They DO NOT mean your American Express credit card bill or the remaining portion of your mortgage or car loan. They mean it covers your funeral and minor bills up to about $50,000 which isn't very much AND the cost of that insurance is VERY HIGH.

Since they know everybody dies, their premiums are set so they make money off you regardless of your health, when you die or the size of your benefits.

My parents have been shopping around for additional life insurance. They have found that those companies that are a guarantee are obscenely pricey.! The companies who have offered them coverage are also obscenely pricey, though far better coverage vs the ones that assure they will insure you no matter what! You may now be asking why they are receiving such high quotes. Her husband is in kidney failure, waiting for a kidney as a result of many previous years of uncontrolled type II diabetes and formerly uncontrolled high blood pressure with severe asthma. Mom has had the "big C" a.k.a. cancer a few times with surgery and chemo for it with a heart murmur. The companies they have consulted with, they have also asked about the health of my brother, his kids and I along with his children and their kids. These companies have not contacted my brother and I or his kids.

My parents feel it is definitely worth it to shop around for life insurance. They do have life insurance from their professions, though feel they need to fill in the gaps that it does not cover. After they got married almost three years ago, they decided to buy a home outside of Phoenix AZ vs living here in Utah or the NW coast. They want something to cover their remaining mortgage and possible unpaid debt if something happens and they need to use life insurance for it vs passing the debts and mortgage onto my brother and I and his children. My brother and I, his children are grateful they are doing this. We will support them in whatever decision they choose to make.

This is the experience and the thoughts of my parents. I am not endorsing any company or policy or buying or not buying life insurance and or additional life insurance.

I hope this is informative to all who read this.

Andie

Your insurance physical could go one of two ways. If you are being sent to a doctor by the insurance company, then you may get a real exam. If the insurance company is sending a nurse or paramedic to your home, then you won't get a real exam. I have had both experiences. One doctor did a real exam, including having me strip to my briefs and doing everything but a rectal exam. The nurse or paramedic did an EKG, took blood and urine, but no exam otherwise. I was in my 30s both times and the doctor exam was first and the paramedic exam a few years later for another insurance policy from the same company.