Transcript An Overview of the Medical Examination Report (MER)

An Overview of the Medical
Examination Report (MER)
Pre-requisites to Conducting Medicals
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Please ensure that the following are adhered to while
conducting a medical:
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Client is carrying a letter mentioning the authorised centre(s)
he is to visit.
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The name of your centre features in the letter. If it does not,
please do NOT perform any medical tests.
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ME slip is brought by the client and mentions MER along
with any other tests which are to be done
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Photo ID is checked before doing the medical and
identification number mentioned on the MER
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Identification mark is noted in the MER
The Medical Examination Report (MER)
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The MER is the only examination that is required in all
categories of pre-policy medicals
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It is a very critical input in the underwriting process to decide
whether a policy can be issued or not.
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It is a comprehensive combination of questions and
examination findings to obtain the maximum amount of
information about the Life Assured’s Health and Lifestyle.
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However, there are instances when
information is not correctly captured
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Common discrepancies
subsequent slides
noted
are
certain
highlighted
valuable
in
the
The MER – Identification of Client
Mark of Identification
to be mentioned
Proof of Identification
extremely important
Case of Improperly filled MER
By following the points
1-6 mentioned here
Question
answered
“Yes” but
details not
given
No details provided
Click Here to see a
Properly Filled MER
Case of MER Properly filled in
Details
given
for
positive
answer
s
Family History not Recorded Properly
Family History
not provided
Family History well
documented – click
here
Family History Properly recorded
MER – Vital Measurements
Vital
measurements
not captured
If BP readings high
(>140/90), 3
measurements to be
taken
MER – Signature & stamp
Client’s signature missing
or another client’s
signature is taken. Client
signature mandatory
** Your ME code which is important for payment is obtained through
the stamp. In case you do not have the stamp, contact your branch
for the same
Summary - MER
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check the following before dispatching the reports:
Photo ID clearly mentioned and identification no. written on MER
Identification mark noted & mentioned
All Qs in the MER form have been put to LA, singly or condensed
and noted
Special emphasis on +ve history; details of such history recorded
Detailed family / personal history taken, as they constitute majority
of risk factors.
All vital measurements captured.
Client’s signature, your signature and stamp have been affixed
Seal in the envelope provided & handover ONLY to our courier
In cases where reports have to be personally handed over to an
official of ICICI Prudential, verify his identity and ask for a letter from
an authorized person such as Unit Manager / Branch Manager.
Keep the letter with you.