An Overview of the Medical Examination Report (MER)
Pre-requisites to Conducting Medicals Please ensure that the following are adhered to while conducting a medical: Client is carrying a letter mentioning the authorised centre(s) he is to visit. The name of your centre features in the letter. If it does not, please do NOT perform any medical tests. ME slip is brought by the client and mentions MER along with any other tests which are to be done Photo ID is checked before doing the medical and identification number mentioned on the MER Identification mark is noted in the MER
The Medical Examination Report (MER) The MER is the only examination that is required in all categories of pre-policy medicals It is a very critical input in the underwriting process to decide whether a policy can be issued or not. 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. However, there are instances when certain valuable information is not correctly captured Common discrepancies noted are highlighted in the subsequent slides
The MER – Identification of Client Mark of Identification to be mentioned Proof of Identification extremely important
Case of Improperly filled MER Question answered “Yes” but details not given By following the points 1-6 mentioned here No details provided Click Here to see a Properly Filled MER
Case of MER Properly filled in Details given for positive answers
Family History not Recorded Properly Family History not provided Family History well documented – click here
Family History Properly recorded
MER – Vital Measurements If BP readings high (>140/90), 3 measurements to be taken Vital measurements not captured
MER – Signature & stamp Client’s signature missing or another client’s signature is taken. Client signature mandatory Signature, stamp and date missing. Name of doctor not captured. If stamp missing, payment cannot be made ** ** 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 Please 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.