The number one hassle that comes with buying a life insurance policy is having to complete a health exam. It’s not required on every insurance plan, but for a majority, it is a necessary step to go through in order to get the coverage that protects your loved ones.
Like every other business, insurers want to make money, but how do they ensure that they do? In this industry, insurers divide applicants into various classes of risk, and a medical exam is just one way of doing that. So, going through a medical exam is most likely something you’ll have to face when getting insured. But it’s the exam itself that has many people frightened when it comes to actually getting a plan.
The exam is going to cover a plethora of medical tests and questions that you are going to want to be prepared for. This week we’re going to help you successfully prepare for and pass your insurer’s medical exams and questionnaires.
Always come to a medical exam with all of your most up-to-date medical documents in hand. This means bringing updated prescription records, tests, check-ups, medical procedures, and even a letter with your doctor’s information on the day. By having all of your records with you at the time of the test, you can ensure that everything is backed up and well documented. If your insurer needs any specific piece of medical information, like the dosage of some medication you’ve taken, you will be prepared.
Skipping the Bad Habits
If you’re a dedicated smoker or an alcoholic, you will have a bad experience with your medical exam. But on the other hand, if you just partake in these habits only once in a while make sure you stop before the tests. Both smoking or drinking too soon before the exam can lead to abnormal urine and blood samples and you could face a denial of your application.
Aside from raising your blood sugar levels and blood pressure, both habits can make you dehydrated. Dehydration affects your urine samples and can make your body function at a much lower rate and appear less healthy. If you want to avoid these medical problems affecting your exam results, then it’s recommended that you don’t smoke or drink 24 to 48 hours before the test.
Water and Proper Foods
Make sure to drink more water as the exam date approaches. Aside from preventing dehydration, drinking more water effectively flushes out toxins from your body and dilutes concentrations of sugar and protein. Along with drinking more water, you need to make sure you are cutting back on fattier foods and salt.
Indulging in saltier foods will cause your body to retain more fluids which will lead to higher blood pressure. About four days to a week before you are heading into your exam try to increase your water intake and limit your sodium as much as possible.
Caffeine is also a stimulant you need to reduce up to 48 hours before the exam. Caffeine will raise your blood pressure, pulse rate, and provoke irregular heart rates. Avoid coffee, soft drinks, teas, and even pain medications as all have traces of caffeine and can lead to improper results.
Try to limit your last meal to about twelve to two hours before the exam (we recommend aiming for the twelve-hour mark). If you can, schedule your exam during any weekday after a Monday. Weekends are times when people tend to indulge in alcohol and fattier foods which will lead to higher cholesterol levels that will carry over to Monday.
Don’t Workout Before the Exam
It sounds strange, doesn’t it? But working out right before the exam or the day before can cause you have irregular levels of cholesterol. Excessively working out before the exam will also force your body to overproduce protein which will be expelled in your urine the day of the test. High amounts of protein in the urine can be seen as a sign of kidney problems and lead to you being considered as a higher risk.
Your best bet is to try and relax during the days leading up to the test. Focus on getting to bed early and practicing other better sleeping habits such as meditation and avoiding daytime naps. When the day comes, arrive as early as you can and relax your body to avoid your blood pressure being recorded while you are nervous. Follow the dietary outlines above and focus on relaxing your body on the days leading up to and on the day of the exam to see positive results.