Medical Examination

What Does Medical Examination Mean?

A medical examination is a procedure in which tests are conducted at a hospital or medical facility to assess an individual’s physical condition. Some insurers require applicants to undergo medical examinations as a condition for issuing certain policies.

Insuranceopedia Explains Medical Examination

A medical examination involves assessing vital organs, such as the heart, liver, and kidneys, for defects and determining appropriate treatment or medication if needed. These examinations are conducted by a physician, often with the support of other medical specialists.

Insurance companies may require a medical examination before agreeing to issue certain policies. The results of these tests are one of the main things that affect the cost of a life insurance premium, since insurers use them to gauge how risky an applicant is to cover. Negative results from the examination could lead to a denial of coverage. Applicants who want to skip this step can buy a no medical exam life insurance policy, though these policies tend to cost more for the same amount of coverage.