How to Prepare for a Health Insurance Physical Test, When you apply for life insurance, a trip to the doctor’s office for a physical exam is a standard part of the process. There are a number of ways you can prepare for this financial problem to make sure you’re in the best shape possible and potentially get lower life insurance rates. Follow the tips listed here and start preparing months before your physical exam, right up until the morning of your exam!
Eat healthy foods a few weeks before Health Insurance Physical Test.
Eat a healthy food on a diets can help with blood test results. Eat a healthy food such as fruits, vegetables, low-fat dairy, whole grains, and lean meats. Avoid sugar, processed foods, and fast food in the weeks leading up to the test. This can lead to better cholesterol levels, blood pressure and heart rate, which can lower your premiums.
Avocados are especially helpful for exam preparation. They are high in monounsaturated fats, the heart-healthy fats your body needs, which can lead to elevated HDL cholesterol levels. HDL is often referred to as “good cholesterol” because it promotes overall health.
Reduce salt intake as this can lead to weight retention and high blood pressure.
Drink plenty of water before Health Insurance Physical Test.
Water flushes out toxins and keeps you healthy overall. Drink water when you feel thirsty and avoid unhealthy, sugary and caffeinated beverages such as sodas and energy drinks. Carry refills with you at work or on the go so you always have water.
Drink other healthy beverages such as coffee, tea and juice in moderation, with water as your first drink, but don’t drink coffe/caffeine on the morning of the test.
Cut down on alcohol consumption before Health Insurance Physical Test
Heavy drinking can increase blood pressure.
Dont drink alcohol to much, it is recommend no more than one drink a day for a woman and two drinks a day for a man. This is the amount of alcohol that is generally considered to be moderate and safe.
Alcohol affects the liver, which is an important organ in the human body. Liver function is usually tested during health insurance testing. Excessive drinking in the days leading up to the test can skew the numbers.
It’s also a plus if your blood analysis doesn’t show any alcohol in your system. Heavy drinkers are at risk for many health problems, so insurance companies may offer lower rates for people who don’t drink or drink in moderation.
Smoking is not healthy before Health Insurance Physical Test
Being a non-smoker can push you towards lower premium rates. To be considered a legal non-smoker, quit smoking at least 3 months before you take out life insurance. A urine test can detect the presence of tobacco in your system, so make sure you don’t chew tobacco, nicotine patches, or nicotine gum for several months before the test.
Don’t lie about your nicotine habit when exercising. Many feel they can simply lie about their smoking habits and reduce the number of cigarettes they use. Doing so constitutes fraud and may result in your exclusion from your insurance plan.
Schedule a morning test before Health Insurance Physical Test
In the early morning, your body is less tired. Choose the days you can enter your life insurance in the morning. Even if you have to go on weekends, this is the best option.
It also makes it easier to take the test without eating anything, rather than having a physical appointment in the afternoon.
Sleep well the night before Health Insurance Physical Test
Lack of sleep can lead to excessive stress, which can affect blood pressure. Aim to get at least 8 to 9 hours of restful sleep the night before the exam. Try doing something relaxing before bed, like taking a hot bath. Avoid electronic screens a few hours before bed, as blue light stimulates brain activity that can make it difficult to fall asleep.
If you can’t fall asleep for more than 20 minutes, get up and read a book until you start to feel sleepy.
Don’t drink caffeine on the morning of the test.
If you’re a coffee lover, skip your morning cup of coffee before your date. Avoid other caffeinated beverages, such as black tea. Instead, drink a glass of water when you wake up to rehydrate your body before it happens.
If you tend to drink a lot of caffeine, slowly wean yourself off a few weeks before the test. That way, it won’t be hard for you to drink coffee on test day.
Wait until the exam is over.
Some foods can raise blood pressure. Skip breakfast on the day of the test, drink some water to rehydrate, and make sure you can urinate for the urine test. When your body is done, go out and enjoy a hearty lunch!
The night before the exam, you can eat as you normally would, as long as you eat healthy food. Remember to avoid foods high in sodium and cholesterol, such as red meat.
Do not exercise before the exam.
Exercising before a test can cause high blood pressure. Try to avoid exercise in the 24 hours before the test. If you usually go to the gym or run in the morning, wait until later in the day to start exercising.
It’s a good idea to exercise in the weeks leading up to your medical exam. Regular exercise is an important part of maintaining overall health!
Wear light clothing.
Heavy clothing may affect your weight reading during the test. Wear as little clothing as possible on the test day and avoid heavy accessories such as jewelry. Your weight is one of the factors that helps determine the insurance rate you get, so you want your readings to be as accurate as possible.
Blood is also drawn during the check-up, so it will be easier to wear a short-sleeved or easily foldable T-shirt.
Carry your medical records with you.
He will ask about your medical history during the exam. Bring a list of any prescription medicines you are currently taking and any medicines you have taken in the past. Bring records of any medical conditions you have had or been treated for in the past. Also have your doctor’s contact information ready.
If you do not disclose the medications you are taking or your medical condition, the medical condition is unlikely to work in your favor. Always prepare about your medical history.
Carry a valid ID with you.
You must be able to prove your physical identity. Bring your driver’s license, passport, or other type of official photo ID to take the test. Be ready to show it off when you arrive.
Please be prepared to answer about personal questions.
A life insurance examiner looks at every aspect of your life. Look forward to a series of questions about your health, medical history and lifestyle. This may seem overwhelming, but keep in mind that they just want to make sure you get the best coverage for your particular situation.
Health insurance checks are usually performed by a licensed nurse or paramedical professional.