FAQs: Video Medical Examination Report (VMER)
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Video Medical Examination Report (VMER) for insurance is a virtual health questionnaire conducted by a medical professional over video. The goal is to gather information about your health status as part of the insurance underwriting process. The insurer uses this information to assess your risk profile and determine the appropriate coverage and premium rates. -
The insurance company will use your VMER to:
Assess your health
The exam helps the insurer evaluate your current health, medical history, and potential risks (e.g., pre-existing conditions, lifestyle factors).
Verify your information
The insurer may verify your self-reported health data (e.g., chronic illnesses, medications) through the video exam.
Determine your life insurance premium
The results of the exam can affect your premiums. Healthier individuals often qualify for lower premiums, while those with higher health risks may be offered higher premiums or limited coverage.
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A sales team member from the insurance company will contact the applicant, gather necessary information, and then arrange the VMER. The member will initially send an email invite via ORB to the applicant with the link to the session, the date and time. To join the video call, you'll need a device with a camera and microphone in working condition. Rest assured, the examination will be conducted in a secure manner, ensuring confidentiality of your personal health records.
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Introduction
The healthcare professional will introduce themselves and explain the purpose of the exam - to assess your health, including vitals, for insurance.
Identity verification
You’ll be asked to show your ID on camera for verification. Some providers may also ask questions, like your full name, date of birth, or address.
Standard questionnaire
A doctor will then ask health and medical-related questions which the applicant must respond to.
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During the video examination, you may be asked to:
Review your medical history
Discuss any current or past health issues, family history of diseases, surgeries, or treatments.
Assess your vitals
The doctor might run a face scan using AI to collect your vitals and take some measurements.
Answer lifestyle-related questions
The healthcare provider may ask questions related to smoking and alcohol use, if any.
Record and submit data
The video medical examination session will be recorded via audio and video which will be shared, along with provided data and the AI face scan results, with the insurance company.
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The call usually lasts for 15-20 minutes, depending on the complexity of your medical history. -
To ensure a smooth and efficient process, you should:
Test your technology
Ensure your device (laptop, smartphone, or tablet) has a functioning camera, microphone, and stable internet connection.
Have your ID ready
Many insurers require identity verification, so have your ID (passport, driver’s license, or other government-issued ID) ready to show on camera.
Prepare your medical history
Be ready to discuss any chronic conditions, surgeries, medications, and family medical history. If you’ve had recent medical tests (like blood work), keep those results available and submit them to the sales team member.
Choose a quiet, well-lit space
Make sure you’re in a quiet, well-lit area to ensure the healthcare professional can clearly see and hear you.
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If you didn’t receive your email invitation, here are a few things you can try:
Check spam/junk folder
Sometimes, email providers automatically sort invitations into spam or junk folders, so it’s worth checking there.
Browse through your inbox
Use your email provider’s search feature to look for key terms like “invitation,” the sender's name (ORB), or the subject line ("One Call Interview schedule").
Contact the sales team member
If you can, reach out to the sales team member who sent the invitation. The sales team member may be able to resend the invitation or recheck the email address as well if there’s a typo or error, you might not have received it.
Check your email preferences
Make sure your email settings allow invitations and promotional emails. Sometimes, filters may block such messages.
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Simply reach out to the Sales Team member who sent the email invite. They will reschedule the call as per your convenience.
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You'll receive the invite from OneCall, the third-party service provider handling the logistics of the VMER process on behalf of us, Sukoon Insurance.
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Use a compatible browser
Ensure you're using the updated version of Google Chrome, the recommended browser.
Clear cache and cookies
Sometimes, old cache or cookies can cause issues. Clear them from your browser’s settings and try again.
Check your Internet connection
Ensure you have a stable Internet connection.; if possible, switch to a wired connection or a stronger Wi-Fi signal.
Contact the Sales Team member
If possible, reach out to the Sales Team member who sent the invitation who may either resend the invite or check if there’s any issue preventing you from joining the call.
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The link is only valid for the time slot it has been assigned. If the call is scheduled for, let's say, January 22nd, 2025, from 11:30 AM to 12 PM, the link will only be valid during these 30 minutes.
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Once the call has started, the conversation can even go beyond the specified time. The applicant, however, needs to ensure their attendance during the scheduled time slot.
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Check your device
Ensure your computer, tablet, or smartphone has a working camera and microphone.
Allow permissions
Make sure the video platform has permission to access your camera and microphone. You may need to adjust browser or app settings.
Test your device in advance
If possible, test your camera and microphone before the scheduled session.
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Rejoin the session
Close the session and rejoin again through the same link on the email to see if it solves the issue.
Switch to a different network
If you are on a weak Wi-Fi connection, then switch to a more stable network or use mobile data as a backup.
Check your Internet connection
Ensure you have a stable internet connection; if possible, switch to a wired connection or a stronger Wi-Fi signal.
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Check your audio
Ensure your speakers or headphones are connected and not muted. Also, check the volume level.
Re-enable audio/video settings
In many video platforms, you can manually turn on or off audio and video. Ensure both are enabled.
Rejoin the session
Close the session and rejoin again through the same link on the email to see if it solves the issue.
Switch to a different network
If you are on a weak Wi-Fi connection, then switch to a more stable network or use mobile data as a backup.
Check your Internet connection
Ensure you have a stable internet connection; if possible, switch to a wired connection or a stronger Wi-Fi signal.
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Yes, you can. Simply click or tap "rescheduling options" on ORB.
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As per guidelines, if an applicant does not have a government-issued ID (like their national identity card, driving license, or passport), then they can provide other forms of identification. The doctor will be able to proceed with other verification questions as per ORB.
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In such case, the doctor might try to reconfirm your responses with you. If that doesn't work, contact the Sales Team member who sent the invite to resolve the issue and reschedule the VMER call.
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Just share your medical records, laboratory test results, and imaging - if any - with the Sales Team member who sent the invite.
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Yes, your medical information is considered highly confidential and therefore encrypted. Only authorised personnel at Sukoon Insurance will be able to access it.
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You will be asked to undersign the entire conversation in the end. Click or tap 'view questionnaire and digitally sign', then check all answers, click or tap 'close and sign', and scroll down to sign and submit your responses. If, for some reason, you cannot view the questionnaire and sign, you can simply provide your consent verbally which will form part of the video recording.
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If you have any concerns you'd like to be addressed, simply contact the Sales Team member who sent the email invite.
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Simply follow these steps:
Check the scheduled time
The call will only begin at the scheduled time.
Rejoin the call closer to the appointment time
If you don’t see anyone in the call, it’s best to rejoin a few minutes before the scheduled time through the same email invitation link.
Look for notifications or emails
The sales agent may have rescheduled your call, so be sure to check your email.
Contact the Sales Team member, if necessary
If the scheduled time has passed and others did not join the call, reach out to the sales agent for assistance.
Check your Internet connection
Ensure you have a stable Internet connection to avoid technical difficulties.
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You can, but we still recommend you rejoin the call closer to the scheduled time using the same invite link.
