In times of escalating healthcare costs in India, a smart way to secure your savings is to invest in the best health insurance policy. However, some people are reluctant to purchase health insurance due to the hassle of lengthy pre-medical check-ups that come along.
An important question that arises here is, should you get a medical test done before buying health insurance? Is it a mandatory requirement? If you are also searching for an answer to this question, then this page has got you covered!
Is a Pre-Medical Test Required for Buying Health Insurance?
No, a pre-medical test is not a mandatory requirement for buying a health insurance policy. Most health insurance providers do not insist that the purchaser get a medical check-up done before buying an insurance plan. However, it is best to check with the insurer you choose.
So the question arises: Should one get a medical test done or not? The answer is yes! Even though it is not a mandatory requirement, pre-medical tests are beneficial for the insured. They eliminate the chances of claim rejection for concealing a pre-existing condition and many such issues.
Here is why a pre-medical check-up is important.
Importance of Medical Check-Up Before Buying Health Insurance
- Helps to Save Cost- Health insurance with no requirement for a medical report costs more than those that require medical test reports. Thus, while you may save yourself from the hassle of lengthy medical tests and clinic visits, you may end up paying more in insurance premiums.
- Prevents Claim Rejection- Yes, you read that right! Undergoing a medical test before buying a health insurance plan can save you from claim rejections. Many times, you may not be aware of an existing illness and may not mention it to the insurance company. However, you may be suffering from one, due to which the claim may be rejected for non-declaration of pre-existing diseases.
- Makes you Eligible for Rewards- You can also earn rewards for being healthy. For instance, individuals who pass the pre-medical examination with good scores may be rewarded by the insurer with a discount on premiums or other such benefits.
- Enhanced Coverage- While you undergo a medical test prior to buying a health insurance plan, you can find out about existing diseases. Some of your prevailing health conditions may be covered under the plan, after a waiting period. Thus, you can get enhanced health insurance coverage.
- Quick Claim Approvals- Getting a medical check-up provides you with the health updates that let your insurer know about your existing health issues. So, when you raise a claim at a later stage, the approvals come in quickly, as the insurer is aware of your medical history.
Common Pre-Medical Tests for Health Insurance
Here are some of the common medical tests performed before the insurer provides you with a health insurance plan.
- Blood Test
- Sugar Test
- Physical Examination
- ECG
- Urine Test
- Imaging Test
- Blood Pressure
- Lipid Profile
- Cholesterol Level
Things to Remember When Buying Insurance Without a Medical Check-up
In many cases, an insurance company may not require you to undergo any medical tests. When buying health insurance from such a provider, you must do your part as an insurance buyer and undergo the check-up.
It is better to keep your insurer updated about your past and present medical conditions. You must also disclose any pre-existing diseases that you may suffer from. Moreover, if you have undergone any surgeries or medical procedures in the last four years, you must disclose their details too.
Hiding crucial medical facts from the insurer can result in claim rejections from the insurance company in the future. Your policy may get cancelled and you may also lose out on all the money paid as premiums due to non-disclosure.
Invest in a Healthy Life with TATA AIG Health Insurance Plans
Though pre-medical health check-ups may seem like a burden, in reality they are beneficial. A medical check-up makes you aware of your present health condition, allowing you to choose an appropriate health plan.
When looking for health insurance plans, it is also important to choose a credible insurance provider, such as TATA AIG. It is a credible insurance company with many years of experience and expertise in the insurance arena, offering affordable and comprehensive health insurance plans.
You can get various types of plans for specific health issues, such as Criti Medicare, Elder Care, Medicare Premier and so on. TATA AIG insurance plans are characterised by low-cost premiums, efficient customer assistance, online purchase discounts, wide coverage, etc.
Besides, you can customise the plans to make them a best fit for your health requirements, by adding optional covers, choosing a desired sum insured, etc. And the best part is you do not have to undergo any hassle to buy their plans, as they offer a user-friendly online platform.
