Fear of Pre-policy Medical Check-up? You Can Still Buy Health Insurance

People today are increasingly aware of the rising healthcare costs and perhaps this is the reason why health insurance penetration is seeing growth. However, many people still avoid buying a health plan simply because of the hassle of a medical check-up at the time of buying the policy. Luckily, several plans do not require a pre-policy medical check-up today. Read on to know more.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*(In 120+ cities)
  • Relationship manager For every customer
  • 24*7 claims assistance In 30 mins. guaranteed*
  • Instant policy issuance No medical tests*

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Find affordable plans with up to 25% Discount**
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Health Insurance Plans with No Medical Check-ups

      Several insurance companies in India offer health insurance plans that do not require applicants to undergo a medical check-up before buying the policy. Under some plans, applicants are issued a health policy without a medical test irrespective of their age. All they need to do is to fill out the proposal form and pay the premium to get the policy issued.

      Pre-screening health check-ups are required only after a specified age limit, usually after the age of 45 years. Most insurers issue a health policy without a medical check-up to applicants up to the age of 45 years, post which a pre-screening health check-up may be required. However, some companies have raised the age criteria for issuing a health plan without medical check-ups to up to 60 years. However, if the applicant has a pre-existing disease, then he/she will have to undergo a pre-policy medical check-up even if they are below 45 years of age.

      Why Medical Check-ups are Required before Buying Health Insurance?

      Health insurance companies offer to meet the hospital bills of the insured as a result of unforeseen medical emergencies in exchange for a premium amount. However, the medical vulnerability of a person is largely dependent on age. The higher is the age of a person, the higher is the chances of developing a disease/medical condition. As a result, insurers take precautions while offering coverage to individuals beyond a certain age limit and ask them to undergo a pre-policy health check-up.

      Usually, ages 18 years to 45 years are considered less risky for the onset of diseases and so, almost all plans offer health coverage without the requirement of a medical check-up. But if you are aged above 45 years, the pre-policy medical check-up clause may kick in.

      Moreover, health insurance companies also ask people to undergo a medical test while buying a plan with a high sum insured amount. This is because a higher sum insured reflects a higher liability for the insurer and hence, they may evaluate the medical fitness of the applicant before issuing the policy.

      List of Health Insurance Plans with No Pre-policy Medical Check-ups

      Take a look at the various health insurance plans with no pre-policy medical check-ups:

      Health Insurance Plan Pre-policy Medical Check-up Coverage Benefits
      Bajaj Allianz Health Guard Plan Not required up to 45 years Hospitalization expenses
      Road ambulance cover
      Maternity expenses
      Convalescence benefit
      Organ donor expenses
      Care Senior Plan Not required Pre-post hospitalization expenses
      Domiciliary hospitalization
      Alternative treatments
      Ambulance cover
      Daily allowance
      Cholamandalam Flexi Health Insurance Plan No required up to 50 years Hospitalization expenses
      AYUSH treatment
      Day care procedures
      Newborn baby cover
      Daily care benefit
      Future Generali Health Suraksha Plan No required up to 45 years Ambulance charges
      Pre-post hospitalization expenses
      Day care treatment
      Hospital cash benefit
      Organ donor expenses
      IFFCO Tokio Family Health Protector Plan Not required below 45 years Day care treatment
      Modern treatments
      Hospitalization expenses
      Emergency assistance services
      Terrorism cover
      Liberty Health Connect Policy Not Required up to 55 years In-patient treatment expenses
      Hospital daily cash allowance
      Domiciliary hospitalization
      Recovery benefit
      Nursing allowance
      ManipalCigna ProHealth Prime Insurance Plan Not required up to 55 years Road ambulance
      Pre-post hospitalization expenses
      AYUSH treatment
      Convalescence benefit
      Donor expenses
      National Mediclaim Policy (Individual) Not required below 50 years Hospitalization expenses
      HIV/ AIDS cover
      Modern treatments
      Mental illness cover
      Correction of refractive error
      New India Assurance Premier Mediclaim Policy No required up to 50 years Pre-post hospitalization expenses
      Obesity treatments
      Hospital cash benefit
      Maternity and child care cover
      Infertility treatment
      Oriental Happy Family Floater Plan No required up to 55 years Maternity expenses
      Hospitalization expenses
      Daily hospital cash allowance
      Air ambulance cover
      Assisted reproduction treatment
      Reliance HealthWise Policy No required up to 45 years In-patient hospitalization expenses
      Critical illness
      Recovery benefit
      Local road ambulance service
      Day care treatment
      SBI Arogya Premier Policy No required up to 55 years Ambulance expenses
      Pre-post hospitalization expenses
      Mental illness
      Maternity expenses
      Alternative treatment
      Star Comprehensive Policy Not required Day care procedures
      Outpatient medical consultation
      Delivery and newborn cover
      Organ donor expenses
      Air ambulance expenses
      Tata AIG MediCare Policy Not required up to 45 years In-patient treatment
      Vaccination cover
      AYUSH benefit
      Second Opinion
      In-patient dental treatment
      United India Family Medicare Policy Not required up to 60 years Organ donor benefit
      In-patient hospitalization expenses
      Road ambulance cover
      Modern treatments
      Day care treatment
      Universal Sompo Complete Healthcare Insurance Plan Not required up to 45 years Pre-post hospitalization expenses
      Ambulance charges
      Mother and child care benefit
      Out-patient treatment
      Convalescence benefit

      Things to Keep in Mind While Buying Health Insurance with No Medical Check-up

      If you are buying a health insurance plan that does not require you to get a medical check-up done, then you must disclose your present and past medical conditions truthfully. You must inform your insurer if you have a pre-existing disease or you suffered from a medical condition in the past. Moreover, if you underwent surgery in the last four years before buying the policy, then you must disclose it to your insurer.
      In case you hide your pre-existing disease or medical history from your insurance provider, then the insurer has the right to deny your claim in the future. Not only your policy may get cancelled but you will also lose all the money you paid for the premiums.

      Why Should You Get a Pre-policy Medical Test Done?

      Take a look at some of the reasons why getting a medical check-up before buying health insurance is beneficial:

      • No Rejection of Claims – Getting a pre-policy health check-up done before buying a policy prevents future claim rejections due to non-disclosure of pre-existing diseases. This is because your insurer becomes aware of your medical history at the time of policy purchase and thus, hiding pre-existing diseases is not possible.
      • Faster Claim Approvals – If you get a medical check-up done before buying medical insurance, your insurer gets to know the current status of your health. So when you raise a claim later, your insurer approves it faster as they are already aware of your medical history.
      • Lower Premiums – Pre-policy medical check-up allows insurers to assess the health of an applicant. In case assessment finds out that you are in good health, then your insurer may charge you a lower premium as you are a low-risk applicant for the insurer than a person with pre-existing diseases.
      • Coverage Excluding PED – A pre-acceptance medical check-up informs the insurer about your insurers. In case the insurer is not ready to offer coverage for your pre-existing disease, they might offer you coverage excluding your pre-existing disease. This enables you to avail medical coverage with limitations.

      In a Nutshell

      Today, buying health insurance is as easy as it can get. If medical check-ups are a hassle for you, don’t worry, you can opt for plans that come without the baggage of a medical check-up. So, ditch your worries and buy a health plan now!

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Reasons to Purchase High-Value Health Insurance Cover

      21 Feb 2024

      When you decide to purchase a health insurance plan for you and
      Read more
      Surgeries Covered by New India Assurance Health Insurance Plans

      22 Feb 2024

      In an era where healthcare expenses are skyrocketing in India, the
      Read more
      Is a 10 Lakh Health Insurance Adequate in Your City?

      10 Jan 2024

      An ongoing medical inflation of 14 percent in India (the highest
      Read more
      Dental Treatment Coverage from Star Health Insurance

      21 Dec 2023

      The rising costs of healthcare services have made it necessary for
      Read more
      11 Reasons Why Senior Citizens Should Buy Aditya Birla Activ One Plan

      05 Dec 2023

      Health insurance is one of the biggest assets that senior citizens
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.