Report of medical examiner

All proposers need not under go medical examination for getting insurance cover. A large part of insurance proposals are underwritten without any medical report. They are called non-medical proposals. The bifurcation of medical and non-medical proposals are based on a variety of factors such as age of the life proposed, sum proposed, sex, illnesses/operations suffered /undergone, total sum under consideration etc. On this different insurers have different standards. Where medical examination of the life proposed is called for he will be examined by a medical examiner or board or hospital approved by the insurer and the report will be directly submitted to the insurer. There are standard forms to be used by medical examiners. However there are cases where special reports are called for. For example the HbA1C report pertaining to a diabetic or an Elisa test to rule out the possibility of HIV/AIDS.