Most health insurance applications do not require blood or urine specimens. But on occasion an underwriter will ask for a physical exam including certain tests.
If you have a history of abnormal test results in the past, such as high cholesterol counts, or blood or sugar in your urine, testing may be requested. Sometimes an underwriter will request an EKG if you had cardiac tests in the past that were abnormal.
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If you have a history of abnormal test results in the past, such as high cholesterol counts, or blood or sugar in your urine, testing may be requested. Sometimes an underwriter will request an EKG if you had cardiac tests in the past that were abnormal.