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Make Sure Your Medical Profile Is A Healthy, Accurate Description of You
When you apply for life, health or disability insurance, you provide medical
information on your application. In fact, each time you sign a waiver on
an insurance claim, you give permission to release your medical
information. This information may be sent to the Medical Information
Bureau (MIB), an information clearinghouse founded by insurance
companies to help them reduce insurance fraud by sharing information.
Because the Medical Information Bureau maintains data on millions of
Americans, mistakes and input errors can occur. Any misinformation could
have an affect on your ability to qualify for some types of insurance.
For instance, life insurance companies may routinely access your personal
medical profile when they are determining your eligibility and rates. That's why it make
sense to examine your personal medical report to ensure that it reflects only
accurate information.
Your Medical Information Report Shows You . . .
-
General information including your height, weight, blood pressure, EKG and X-ray results
- Health related notations such as a poor driving record or participation in hazardous sports
- A list of individuals or organizations that have recently requested a copy of your MIB record
To Get Your Medical Information Bureau Report . . .
Write to the MIB to request their official release form. For your convenience, we have provided a letter template that you can print out, fill in, and then send to:
Medical Information Bureau
P.O. Box 105, Essex Station
Boston, MA 02112
About 3 weeks after sending in this form, you will receive an official
release form from the MIB, along with instructions for signing the release and for
payment. Send them back, and the MIB will then send you your profile. Please
note: some people are not in the records of the MIB. If you are one of these people, you
will be notified.
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