Insurance Medicals

When you submit an application for life insurance, your insurance provider will commonly require a medical examination. This is to determine your overall health status as well as your risk levels for future disease.

Higher risk individuals often pay a higher monthly premium as they are more likely to claim from their insurance provider at least once in their lifetime. Individuals who are considered high risk include:

• Smokers
• Individuals who consume more than an average amount of alcohol
• People who have existing chronic illness
• People who have a strong family history of chronic disease
• Individuals who test positive for illegal drugs
• People who have jobs that place them at higher risk for injury, disease, disability, or death
• Individuals who partake in dangerous recreational activities
• People who are at higher risk of obtaining communicable diseases (those with compromised immune systems)

What Happens During an Insurance Medical?

You can expect the following during an insurance medical:

• Identity check
• Blood sample
• Urine sample
• Weight and height measurement
• Blood pressure and pulse reading
• Series of health questions to establish medical history

The blood and urine tests will determine if the following conditions exist:

• Sexually transmitted diseases
• HIV and AIDS
• Cholesterol
• Diabetes
• Kidney disease

They will also determine the presence of drugs and nicotine. In addition to these tests, you may be asked questions about your lifestyle to determine your risk levels.

Parkhealth Medical Centres – Doctors in Cape Town

Our doctors in Cape Town provide comprehensive insurance medical screening services. Contact us to book an appointment.

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