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What Do My Lab Test Reports Indicate?
Question: Hello Doctor,
I had undergone health check on 20th July to top up my insurance and i had recieved below details from the insurance company. I had my reports checked in the health care where my tests were performed and i was told everthing is negative and looks fine. However i dont understand why was the insurance rejected. So would like you to look at my reports. Please let me know how i can share my reports as there is no attachment option here.
"Dear Sir,
This is with respect to your Voluntary coverage under the Group Life Insurance policy no.502029
We have received your Medical reports & our underwriters have carefully evaluated the same.
We regret to share with you that, post evaluation of your reports, our underwriters have opined to Decline your Voluntary Top-up coverage in view of TMT findings
Kindly note that, we are unable to extend any coverage to you under this voluntary policy.
This has been decided after duly observing standard risk selection and classification processes, by our underwriters. Please note the objective of these underwriting processes is not to determine the state of health of an individual but his/her acceptability within a certain Group of individuals under the same risk classification."
Thanks,
XXXXX
I had undergone health check on 20th July to top up my insurance and i had recieved below details from the insurance company. I had my reports checked in the health care where my tests were performed and i was told everthing is negative and looks fine. However i dont understand why was the insurance rejected. So would like you to look at my reports. Please let me know how i can share my reports as there is no attachment option here.
"Dear Sir,
This is with respect to your Voluntary coverage under the Group Life Insurance policy no.502029
We have received your Medical reports & our underwriters have carefully evaluated the same.
We regret to share with you that, post evaluation of your reports, our underwriters have opined to Decline your Voluntary Top-up coverage in view of TMT findings
Kindly note that, we are unable to extend any coverage to you under this voluntary policy.
This has been decided after duly observing standard risk selection and classification processes, by our underwriters. Please note the objective of these underwriting processes is not to determine the state of health of an individual but his/her acceptability within a certain Group of individuals under the same risk classification."
Thanks,
XXXXX
Brief Answer:
Need further assessment & assistance
Detailed Answer:
Hi friend
Welcome to Health Care Magic
The blood tests are normal
In Stress ECG (TMT), there is SUGGESTION (NOT CONCLUSIVE) of ischemia - Coronary Artery Disease (CAD)… / ST depression in inferolateral leads. it is not apparently detected by the machine reading ... Absence of symptoms is no proof of absence of disease. It is an indication for further work up – because at times, this MAY ALSO BE FALSE POSITIVE
The next step is TMT with thallium isotope. It is the ideal non-invasive way to evaluate ischemia / to assess the PHYSIOLOGY (function) – to see whether the blood arriving at the heart muscle.
If there is a suggestion, the next step is to see the ANATOMY (structure) – undergo CT angio is non-invasive study for the anatomy.
If positive, she will need catheterisation and coronary angiography with a view for possible intervention. It is the only way to directly ‘see’ the block, if any – and its location, extent, severity and so on. Coronary arteriography is invasive but it is the gold standard for this.
You ought to see a heart specialist (Cardiologist)
You need to be investigated for Coronary Artery Disease.
Good luck
God bless you
Need further assessment & assistance
Detailed Answer:
Hi friend
Welcome to Health Care Magic
The blood tests are normal
In Stress ECG (TMT), there is SUGGESTION (NOT CONCLUSIVE) of ischemia - Coronary Artery Disease (CAD)… / ST depression in inferolateral leads. it is not apparently detected by the machine reading ... Absence of symptoms is no proof of absence of disease. It is an indication for further work up – because at times, this MAY ALSO BE FALSE POSITIVE
The next step is TMT with thallium isotope. It is the ideal non-invasive way to evaluate ischemia / to assess the PHYSIOLOGY (function) – to see whether the blood arriving at the heart muscle.
If there is a suggestion, the next step is to see the ANATOMY (structure) – undergo CT angio is non-invasive study for the anatomy.
If positive, she will need catheterisation and coronary angiography with a view for possible intervention. It is the only way to directly ‘see’ the block, if any – and its location, extent, severity and so on. Coronary arteriography is invasive but it is the gold standard for this.
You ought to see a heart specialist (Cardiologist)
You need to be investigated for Coronary Artery Disease.
Good luck
God bless you
Note: For further queries related to coronary artery disease and prevention, click here.
Above answer was peer-reviewed by :
Dr. Chakravarthy Mazumdar
Answered by
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