Questionnaires that fills affect the intimacy of a lot deeper than most ready to detect and very close friends. One of the indispensable tests at higher sum insured and one for HIV.
A good credit rating for a long time is not a sufficient condition for obtaining bank loans. It raises, for example, the housing loan with the guarantee of life insurance policies as collateral, since the borrower should be prepared for a series of medical tests, worthy of checking for the pilot. With higher insured sum, after all these checks, the client is certainly ready to launch into orbit. Criteria for acceptance of the client in ensuring they are somewhat more demanding, if insurance covers survivorship and risk of serious illness - explain the Uniq. Uniq U is the limit for the conclusion of insurance without a search 35 000 euros, and since 35-70000 seek verification of pressure, pulse, blood and urine. HIV test and EKG is required above 70 000 euros, for sums of more than 140 000 euros and ergometry and more detailed laboratory findings. HIV testing at the Allianz is mandatory for clients of all ages if the sum exceeds the agreed 50,000 euros, or for an agreed sum for 30-50 thousand euros, if the client is aged between 56 and 65 years. For the agreed amount is less than 30 thousand euros do not seek medical examination and, above this limit one of the mandatory search and ECG at rest, and for older clients and ECG under load. Search and chemical analysis of urine sediment and an overview and analysis of blood. The census is at General lump sum of 50,000 euros in case of death, and below that amount do not require medical examinations.
For a range of assurances between 50 and 80 thousand euros is obligated to "run a medical examination," and above the amount of "large", which includes an HIV test. The target of assessors is everything - height, weight, surgery, sickness, sports and recreation, and workplace conditions. No choice - of meeting the questionnaire and medical documentation depends on the conclusion of insurance. Triglav insured tested for HIV if they are insured amount exceeds 100 000 euros, Basler osiguranje Zagreb above 50 000 euros, while Grawe Croatia grouped into three categories of examinations and HIV test in the middle. Their is an additional requirement that there be no older than eight days at the conclusion of the police.
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