I recently undergone TMT test for getting medical insurance. As per the report it says TOTAL EXER TIME : 8:41min, MAX HR : 170 bpm (89% of 189 bpm), MAX BP : 140/80 mmHg, MAX WORKLOAD : 10.00 DISTANCE COVERED: 0.58Km, DOUBLE PRODUCT : 23800.00. Kindly help to advice what does report indicates, as insurance provider says that due this TMT report, the premium is been increased.