Health Insurance without Medical Checkup

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!