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How to Prepare for Your Medical Exam to Attain Insurance


When you apply for various types of insurance, insurance companies often request medical examinations to help them assess your current health and determine your insurability. Abnormal findings can create problems in obtaining coverage now and possibly in the future.

However, there are several commonsense things that you can do to ensure this medical snapshot is as accurate as possible. Here are some suggestions:

  • Get a good night’s rest the night before the exam.
  • Avoid any heavy exercise for 24 hours before the exam.
  • Avoid consuming any form of alcohol for at least 48 hours before the exam.
  • If possible, fast for 12 hours before a blood profile.
  • Avoid consuming any form of caffeine, food or beverage (except water), for at least two hours before the exam.
  • Avoid smoking for at least two hours before the exam.
  • If you are taking prescription medication(s), you should continue to take them as prescribed. All prescription medications should be brought to the exam for reference.
  • Avoid non-prescription medications such as cold remedies, pain relievers and herbal remedies for at least 24 hours prior to the exam.
  • Drink two glasses of water one to two hours before the exam.

Remember, you want an accurate medical snapshot, so be sure to reschedule your examination if you are: 

  • ill or not feeling well
  • under undue stress

Insurability is extremely important for physicians because you need the protection that insurance coverage provides. Taking these steps can help you present an accurate picture of your health and get suitable coverage and the best possible rates as a result.

Learn more about MD's insurance offering or contact your MD Advisor to find out how we can help.