A medical exam is requested of everyone before medical insurance can be given. The medical exam is required from the medical insurance company. You will have your health examined and reported back to the insurance company. Depending on how well your health is it will lower your policy rates. The insurance company can raise your rates or deny coverage for high risk or dangerous activities you may participate in. Excessive drinking, smoking, extreme sports and even your occupation can be considered high risk or dangerous activity.

Medical exams are given to anyone seeking medical insurance coverage. The information gathered at the medical exam will be returned to the insurance company. It will then be scrutinized for any details that they may consider high risk or dangerous. Habits such as smoking and drinking can fetch you a higher rate for coverage. Hobbies such as rock climbing, parasailing, or dirt biking may get you denied for coverage or if they accept you can expect to pay a much higher rate.

The medical insurance company uses your habits and your hobbies to penalize you may seem unfair. But people expect to be rewarded for their good behavior so why would it be fair to have the rates the same for a dare devil and a minister? The insurance companies gather all your details and analyze them to determine your high risk rating. Things such as smoking and excessive drinking will create more medical problems and extreme sports such as sky diving and rock climbing will have possibilities for more injuries.

Previous conditions or undiagnosed medical problems will be found at the medical exam. Some insurance companies will not cover existing conditions. You will find that the policy on this varies from insurance company to insurance company. Some will allow existing conditions if they have not been diagnosed or treated prior to the exam, some will allow them regardless. Be sure to know the medical insurance companies policy on this before you allow the medical exam to happen. If they do not cover existing conditions and find one during examination it could hurt your chances of finding a company that will.

Medical exams for the medical insurance industry are extremely necessary. It would be irrational for the insurance companies to believe that everyone who applied for the policies were in great health with no dangerous or high risk behaviors. The medical exam helps to determine the high risk individuals from the lower risk ones. The exam is also in place to protect the insurance company from fraud. There are those who would only obtain the insurance policy once they knew they were ill or sustained an injury. With this protection it in turn saves the insurance company money which will lead to better coverage as well as better rates for you. You are rewarded for good behavior and not only penalized for the bad. If you stop smoking or are no longer drinking excessively the insurance policy can be re-evaluated and your rates lowered.

Susan Reynolds is the webmaster for a leading South African Insurance Provider who specialises in Medical Insurance Options.