Physical examinations may be required when applying for large amounts of insurance. Your Network Representative will schedule your appointment with a medical examiner and discuss with you the specific tests and information needed to process your application. It is important to prepare for this exam. Below are some tips that will assure the most accurate interpretation of your medical history.

Ideally, no food or drink (except water) should be taken during the eight hours preceding your appointment. Medication may be taken as prescribed with water. If you are on medication that must be followed by milk or a meal, it should wait until after the exam if possible. Request an early-morning appointment to avoid this situation. If you are not going to take regularly scheduled medication, check with your personal health care provider first.

When possible, your exam should be conducted when you are adequately rested and under the least pressure. Again, the morning is generally the best time for this. Get a good night's sleep before the exam, and avoid vigorous exercise on the morning of the exam as it may affect test results.

Try to arrive for the examination a few minutes early. You should plan on at least 30 minutes for the completion of a full exam with blood and urine tests, plus another 30 minutes if you are undergoing a chest X-ray or an EKG.

Be prepared with your past medical history before the scheduled examination appointment. This includes a list of all health care providers (including addresses and phone numbers if possible), the approximate appointment dates and the reason for the visit or hospitalization. If you have a history of prior hospitalization(s), the name and address of each hospital, and approximate dates are also important.