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.

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      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.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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