People today are increasingly becoming vigilant towards the huge healthcare costs experienced by them. Perhaps this is the reason why health insurance awareness and its corresponding penetration are seeing a growth in the Indian Health Insurance sector. However, many of us still shy away from a health insurance plan simply because of the idea of pre-entrance medical check-ups involved at the time of buying a policy.
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Buying a health insurance plan, though proves beneficial, yet, there are certain formalities involved at the time of buying the plan which a proposer is required to follow. Filling up the proposal form, submitting the required documents, paying the first premium and in some cases undergoing a pre-entrance medical screening test are the basic steps involved.
While the other steps are fine, the last one causes a hiccup among many individuals and so they altogether avoid buying the plan. This article is dedicated to such individuals to let them know that they can get over their anxieties and buy a plan without a health check-up.
But first, let us understand the rationale for pre-screening health check-ups. Health insurance plans offer to meet the hospital bill incurred as a result of an unforeseen medical emergencies. As age plays a vital role in determining the probability of medical assistance, insurers take precautions while offering to cover individuals beyond a certain age limit.
Ages 18 years to 45 years is considered less risky for the onset of diseases and so almost all plans offer a health cover without the requirement of a medical check-up, but if you are aged above 45 years, the medical check-up clause kicks in. However, there is still a way out for you to skip the medical check-ups.
Yes, not all health insurance plans mandate a health check-up. Pre-screening health check-ups are required only after a specified age limit as stated before. While most insurers keep 45 years as the threshold limit, post which a pre-screening health check-up becomes mandatory, some companies have raised the age criteria and are offering a plan without medical check-ups even up to 60 years! Yes, you heard me right!
So, what is your excuse for avoiding a health plan now? If medical check-ups are your undoing, don’t worry, there are plans in the market today which 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.
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