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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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:
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.
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.
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