Medical examination must be conducted by a medical practitioner provided the following conditions are met: Medical examination is to be conducted at Company’s designated Lab or Doctor empanelled by the Company In case, medicals through non-designated lab or non-empanelled Doctor or to be conducted at abroad, prior approval from Appropriate Authority from MFinServ Underwriting team is mandatory. Medical Examination form should be signed by the MBBS doctor, along with seal and stamp. Medical examiner must verify the passport and the identity of the person to be insured. The copy of the passport used for identification needs to be sent along with the medical reports by the medical examiner. The insured needs to sign the medical report in the presence of medical examiner. The fees for medical reports will be in accordance with the pre-defined rates. The amount may be reimbursed to the insured as per the Company norms.