Which Companies Provide Tele-Medical Checkups for Term Insurance

Tele-Medical Checkups for Term Insurance

Geographical boundaries are no longer an obstacle for NRI policy buyers who wants to buy a term plan in India. They can now easily opt for NRI term insurance plans in India that allow them to schedule video/telemedical check-ups from their residential country.

With the country slowing down the spread of COVID-19, insurance companies like Max Life Insurance, Tata AIA, and PNB have introduced these remote services that would include the examination of customer applications and then doctor consultations over the phone.

Earlier, the medical examination process requires a customer to go to a doctor and get a standard test done. This is now replaced by a medical expert who provides you a consultation over a telephone call asking about your health and medical details like prescription history and

How Can NRIs Schedule Their Tele-Medical Check Up?

Now, NRIs can buy term plans online and choose the one that suits their requirements after filling out an application form. The payment of premiums can easily be done online using net banking or debit/credit cards. Then, a video/Tele-medical check-up is booked after taking information about their medical history and documenting their pre-existing illnesses (if any).

The telemedical process requires a customer to visit a medical expert and get their check-up done. Once the insurance company approves all your submitted reports, your application will be considered accepted and the policy will be issued.

What Do Term Insurance Medical Tests Cover?

The term insurance medical tests conducted are generally subjective to the age of the policyholder. The common tests performed would be weight and height measurements, urine tests, and blood tests. Blood tests comprise complete blood count, fasting plasma glucose, differential count, and hemoglobin. Weight and Height help to determine the Body Mass Index (BMI) and urine examinations measure the cotinine levels.

These tests also include the measurement of cholesterol levels and HIV I and II. Additional tests might be required if the family or an individual has past records of illnesses. Inform all the details about drinking and smoking habits.

Which Companies Provide Tele-Medical Check-Up in Term Insurance for NRIs?

Benefits of a Tele-Medical Check-up for Term Insurance in India

A term insurance plan for NRI with a medical examination can help a healthy individual get the right term insurance plan with high life coverage at low premium rates. In addition to this, the medical test also gives a good idea about the health and medical conditions of the policy buyer.

Term Insurance Medical Test: Wrapping It Up!

If you are an NRI, having a term plan purchased in India that is affordable and offers guaranteed benefits irrespective of your residential country will financially secure your family. So, there are a number of benefits available for the Indian population across the world, and checking a term insurance plan and its benefits online is suggested. Always sign the policy documents after reading the terms and conditions.