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Do your Fear of Medical test to Purchase Health Insurance? Research Team | Posted On Tuesday, August 13,2019, 06:02 PM

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Do your Fear of Medical test to Purchase Health Insurance?



Do your Fear of Medical test to Purchase Health Insurance?

Many health insurance policyholders believe that availing a health insurance policy without a medical test; is better than buying a health insurance plan; after a medical test. There’s a general fear that the insurer might reject the claim after the medical test due to adverse results.

This article discusses why you must not fear the medical test before purchasing a health insurance policy.

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See Also: Health Insurance for High Cholesterol

Do your Fear of Medical test to Purchase Health Insurance?

Why pre-policy medical checkup?

A pre-policy medical checkup is important to identify any health issues. These tests help the insurer get an accurate picture on your health. You get to know the health insurance cover you need.

Once the medical tests are done, the records of the health condition of the policyholder are stored. This helps in hassle-free claim settlement.

Listed below are some of the facts that help you understand why pre-policy medical checkup is a must:

  • Lower premium rates: A pre-medical checkup helps the insurer offer insurance at lower premium. The insurer has to make sure that a claim is not filed too often and asks the insured to take up a medical test. The insurer determines the premium based on risk perception. Your medical reports help the insurer determine health risk and decide on a fair premium.
  • Adequate insurance coverage: Many policies are availed without a medical test. The maximum coverage that can be availed is up to Rs 5 lakhs without medicals. No insurance company in India offers insurance coverage above this limit without medical test. The limit for policy buyers in the age group of 30 to 40 years is below Rs 2 Lakhs. Therefore, a pre-policy medical test can help avail the required insurance coverage to meet your insurance requirements.
  • Smooth claim settlement: The pre-policy medical test helps in better investigation and a smooth claim settlement. As the insurance company has already listed the pre-existing conditions; there’s easy claim settlement.
  • Reduced stress: With a pre-policy medical test; you would be sure on current health status. A pre-policy checkup helps identify the medical conditions that you might have and take proper precautions. Once the pre-existing disease is listed; you can focus on getting them covered after the waiting period. 

Does pre-policy checkup mean rejection?

No, it does not mean rejection as feared. The insurer’s prime focus is insuring people and offering cover during a medical emergency. To avail the benefits of the policy; you must pay a pre-specified premium amount. The medical checkup helps the insurer get an update on current health status and decide eligibility and your policy premiums; accordingly.

Would the insurer reject an application?

Yes, the insurer would reject the claim if you have made the wrong declaration. If you have not disclosed health conditions accurately, the insurer will not settle the claim.

If you are a smoker/drinker make a declaration. This helps the insurer make an accurate decision, when offering the health insurance plan. Insurers charge a higher premium for smokers and there are cases where insurers reject the proposal of heavy smokers.

See Also: Health Insurance for Swine Flu

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