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Health Insurance Without Medical Check-up in India
People today are increasingly aware of the rising healthcare costs, and this is the reason why health insurance penetration is growing. However, many people still avoid buying a health plan simply because of the hassle of undergoing a medical check-up at the time of buying the policy. If you do not want to undergo pre-policy medical tests, then you must know if you can still buy health insurance.
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- Health Insurance Without Medical Check-up in India
Is Medical Check-up Required for Health Insurance?
No, it is not mandatory for people below a certain age group to undergo pre-policy medical tests for health insurance. Several health insurance companies in India issue a health insurance 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 up to 60 years for issuing a health plan without medical check-ups.
Moreover, if the applicant has a pre-existing disease, he/she will have to undergo a pre-policy medical check-up even if they are below 45 years of age.
Why Are Medical Check-ups Required Before Buying Health Insurance?
Health insurance companies cover the medical expenses of the insured arising from unforeseen medical emergencies in exchange for a premium amount. However, the medical vulnerability of a person is largely dependent on age. The higher the age of a person, the higher are the chances of developing a disease. 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, so almost all plans offer mediclaim insurance coverage without the requirement of a medical check-up. But if you are older than 45 years, the pre-policy medical check-up clause may kick in.
Moreover, health insurers 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, insurance companies may evaluate the medical fitness of the applicant before issuing the policy.
Things to Keep in Mind While Buying Health Insurance Without Medical Test
If you are buying a mediclaim 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. In fact, you must inform your insurer if you have a pre-existing disease (PED) or you have 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 health insurance claim in the future. Not only may your policy 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.
- Lower Premiums – Pre-policy medical check-up allows insurance companies to assess the health of an applicant. In case assessment finds out that you are in good health, then you may be charged a lower health insurance premium as you are a low-risk applicant for the insurer than a person with pre-existing diseases.
- 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.
- Ensuring Proper Coverage – Getting a pre-policy medical test done helps you secure the right health insurance coverage for your needs. If you discover a medical condition during the check-up, you can choose a policy that covers it rather than facing a refusal due to non-disclosure. This will reduce the risk of being underpaid and increase your chances of getting sufficient coverage based on your medical condition.
FAQs
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Q1. What are pre-policy medical tests in health insurance?
Ans: Pre-policy medical tests are health check-ups that health insurance companies may require before issuing a health insurance policy. These tests help insurers assess your current health condition and determine the level of risk involved in covering you. -
Q2. Is a medical test compulsory for health insurance?
Ans: Not always. Most insurance companies provide health policies without requiring a medical test for people under 45 years of age. However, a medical test may be mandatory if you are older than this age. Some insurers even extend this age limit to 60 years. -
Q3. What medical tests are required for health insurance?
Ans: The specific tests required depend on the insurer, but common ones include BMI Check, RBC Examination, Blood Sugar Levels, Liver Function Test, Kidney Function Test, Lipid Profile, TMT, etc.
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*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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