|What is a Paramedical Exam?|
A paramedical examination is a personal interview with the applicant to collect information about the applicant's medical history. This information allows the insurance company to perform a comprehensive evaluation of the applicant's current health. A paramedical exam may include the collection of blood, and urine. The exam also involves a physical examination of the client including height, weight, blood pressure, pulse and an EKG, depending on the insurer's underwriting guidelines for the applicant's age and insurance amount.The exam should take between 30 and 40 minutes.
It is extremely important that the client gives full disclosure of his medical history. Failure to do so may invalidate the insurance policy.
Where is the exam performed?
We perform examinations at the applicant's home, workplace or Paramedical Facility, at the applicant's convenience.
All information obtained during the examination is strictly confidential for insurance purposes only. Their sole responsibility is to obtain accurate information for the insurance company to evaluate.
If a blood specimen is needed, blood will be drawn from your arm as required by the insurance company. Only STERILE disposable needles and supplies are used to withdraw your blood specimen. The blood sample will be sent for processing to a laboratory designated by the insurance company. The insurance company gives instructions to the laboratory regarding specific tests to be completed for underwriting purposes. The results of the test will be sent directly to the insurance company - not the paramedical company. In many cases, you will also be asked to sign an HIV Testing Consent form at the time of the blood draw.
What is an EKG?
An electrocardiogram, or EKG, records electronic impulses of the heart. Testing is completed in less than 5 minutes.
What happens when the exam is complete?
The paramedical questionnaire and any additional requirements are forwarded to the insurance company. Any specimens obtained during the examination are sent to a designated laboratory and the results forwarded to the insurance company for assessment. Each insurance company has its own policy on sending the results of the lab tests to you. Check with your agent to find out more about this.