Page 12 - iA Excellence -Field Underwriting Guide - Updated on July 2019

Medical underwriting requirements
MIB REPORT PARAMEDICAL EXAMINATION BY A NURSE
MIB Inc. is a not-for-profit company used for the (INCLUDING VITAL SIGNS)
sharing of information between member insurance This service, provided by iA Excellence-approved
companies in order to assess an individual’s risk and paramedical service providers, is a personal medical
eligibility during the underwriting of life, health and and lifestyle examination that is performed by
disability income policies. a registered nurse using a questionnaire. The
paramedical takes place at a date, time and place
With an authorization signed by the applicant,
iA Excellence will send an inquiry to MIB Inc. to chosen by the applicant when he or she receives a
check if the applicant is included in their database. If call from the paramedical service provider to make
so, MIB Inc. will provide us with the information on the appointment. The questions included are very
record. This information is sent in a coded format. similar to the paramedical interview by telephone.
MIB’s coded reports represent different medical The nurse will also take the applicant’s vital signs:
conditions and other conditions (typically, hazardous height, weight, blood pressure and pulse.
hobbies and adverse driving records) that affect Help prepare the applicant:
the insurability of the applicant. Should this coded Provide the applicant with the document Preparing
information be inconsistent with the applicant’s for your phone interview or paramedical exam (see
declarations, further investigation may be required. APPENDIX B).
We may also contribute such information to MIB BLOOD PROFILE AND URINE HIV
Inc. that may be useful to other members who later Blood and urine samples will be taken. In order to
search the database with the authorization of the obtain this, the applicant will have to sign a consent
insurance applicant. Information will also be in a form authorizing the registered nurse to take the
coded format.
samples. The blood and urine samples will be
Below are two examples of the type of information sent to a laboratory for processing by qualified lab
provided by MIB, Inc.: technicians. It is important that the applicant informs
Example 1 the nurse of any medication currently being taken.
Diabetes, treatment with insulin, diagnosed within Help prepare the applicant :
three to five years from the date of the coded In order to avoid repeated testing or appointment
information.
rescheduling, it is important for the applicant to:
Example 2 — Fast (no food or beverages, except water) for
Three moving violations other than “Driving Under six hours prior to the appointment time;
the influence” within the last three years from
the time the information was coded. Information — Take medications as usual, but mention them to
the registered nurse;
obtained by the insured.
— Inform the nurse when making the appointment
TELEPHONE INTERVIEW if it is difficult to find veins for blood withdrawal,
See information provided under Phone interview or if there are problems such as blood clotting,
above. fainting, nausea or bruises, or fear of needles.
This will help the registered nurse come prepared
for the appointment.

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