Some insurance policies might require you to undergo a simple
medical examination. Of course, the exam does differ with your age and insurance
amount. In tune with our philosophy of providing our customers with the best, these
tests are conducted by highly qualified, licensed health professionals.
i. What kinds of tests will be included?
• A basic physical exam
• Urine specimen
• Blood work
For high amounts of life insurance, Treadmill ECGs and Mammogram
are usually required
ii. How it works?
The medical questions on the life insurance application are
usually completed with your financial advisor. MER is the medical form used by the empanelled doctor who performs the exam.
Your financial advisor will call one of the diagnostic services that specialize
in the required exams. In a basic exam, the doctor will take your medical history,
physical measurements, and diagnostic specimens.
In case your policy requires you to take a medical exam, you must undergo the exam
to help us process your application. Declining to take a test isn't an option. The
medical examination is paid for directly by the company and is completely free for
you.In case of voluntary refund the amount is deducted.
iii. On what criteria have the Medical Providers been chosen?
This network has been selected
for the following reasons:
• Ability to provide a wide range of services
• Geographical location
• Efficient administrative processes
• Reputation for provision of high quality care
Where do I go to get my test done?
For your convenience, our Medical Provider Network facility includes a network of preferred diagnostic centers, general practitioners, consultants and
hospitals across India.
MetLife has tie-ups with United Health Care India (UHCI) & Health India for providing third party medical service to its customers. Specialised Medical services are also provided to HNI and Super HNI customers.
Please click on the link below to find the Medical Provider closest to you.