Medical Exam Report: who conducts and who pays?

• A. Conducted by physicians or paramedics; paid by the Insurance company
• B. Conducted by the applicant; paid by the government
• C. Conducted by hospital administrators; paid by the applicant
• D. Conducted by laboratory technicians; paid by the insurer only if abnormalities are found

Answer: (A)

When underwriting requires a medical exam, the exam is typically performed by a physician or a qualified paramedic who can assess health status for insurance purposes. The cost of this examination is paid by the insurance company as part of the underwriting process, not by the applicant. This arrangement ensures the insurer can obtain necessary information without burdening the applicant with upfront costs. The other options don’t fit because they assign the exam to applicants, hospital administrators, or laboratory staff, or they place the payment on the government or the applicant, which isn’t how medical underwriting exams are typically handled.