Video MER: how it works and where it fits
Video MER explained: how a medical examination report is done over a video call, which cases insurers allow it for, and how it sits beside home-visit medicals.
Updated November 2026
A video MER is a medical examination report completed over a recorded video call instead of in person. A doctor or trained examiner asks the proposer the MER questions on camera, checks their identity against a photo ID, and records the answers. The recording is kept as evidence alongside the form.
When insurers use video MER
Insurers set their own rules, but video MER is usually allowed where no physical measurements or samples are needed: lower sums assured, younger proposers, or cases where the lab tests are done separately at a centre. Where blood tests, an ECG or measured vitals are required, a home or centre visit is still needed, and the video call may replace only the questionnaire part.
What a video MER needs
- Identity check on camera against a government photo ID.
- The insurer's MER questions, asked in order and answered by the proposer in their own words.
- A recording stored securely and linked to the case, with consent captured at the start.
- A completed form the underwriter can read without watching the whole video.
- Data handled as health data under the DPDP Act: limited access and kept only as long as needed.
Video MER beside home visits
Most operators will run both: video MER where the insurer allows it, home and centre visits for everything else. What matters is that every case, whichever way it is done, sits in one list with one turnaround clock and one record for the insurer.
Where Prechq stands
Prechq runs in-person medicals today: home and centre visits with a digital MER filled and signed in the field app, sample routing to partner labs and turnaround tracking. Video MER is not built into Prechq yet. If it matters to your insurers, tell us how you run it today.