Rising healthcare costs, driven by technological advancements and lifestyle changes, have made quality healthcare increasingly expensive. Many people opt for online health insurance to protect against the financial strain of a medical emergency. Purchasing health insurance online is now straightforward, but numerous policies require a pre-entrance health check-up. Let’s understand the purpose of this check-up:
What Is a Pre-Entrance Health Check-Up?
When acquiring a Bajaj Allianz health insurance policy, the provider assumes the risk of illnesses and accidents. While injuries are unpredictable, diseases can be anticipated based on your health status. Hence, insurers often mandate specific medical exams before applying for coverage, known as pre-entrance health checks.
Why Are These Medical Examinations Necessary?
Insurers aim to assess the potential for policy claims and use pre-entrance medical exams. These evaluations help insurers understand an applicant’s current health and any pre-existing conditions. If medical reports are favourable, coverage is granted without issue, and you can enjoy your health insurance benefits. But if problems are detected, insurers may take the following actions:
As a result of taking on a greater health risk by issuing the policy, they have raised the premium.
- Limit the scope of the coverage offered.
- Put stringent conditions on the coverage of particular illnesses that could develop due to the report’s medical complications.
- If the proposed insurance has a very high health risk, reject it altogether. *
Medical Examination Requirements For Health Insurance Policies
You should know that not all online health insurance plans require you to undergo pre-entrance medical exams now that you understand why health insurance companies need them. Pre-entrance medical exams may be necessary in one or more of the following circumstances.
If Your Age Is High
Health insurance plans typically require pre-entrance health exams if you are 46 or older. Until 45, people are considered relatively healthy, and as they age, medical complications start to appear. Therefore, if you are older than 45, many plans require pre-entrance health checks. However, some plans only require pre-entrance health exams at 55 or 60 years old.
Choosing a Sum Insured
If you select a high sum insured, the risk for the insurance provider grows as the claim amount grows. Pre-entrance health checks may be thus required even when you are young for high levels of the insured sum. Pre-entrance medical exams may be typically required for sums insured above INR 10 lakhs, though some plans may even permit coverage up to INR 20 lakhs without them. However, even when you are young, medical check-ups would become required if you choose a higher limit for the amount insured.
If You Inform Of A Problematic Medical Condition On The Proposal Form
To the best of your knowledge, you must disclose your medical history and current condition when filling out the proposal form. Therefore, regardless of your age or the sum insured you select, the insurance company may ask you to undergo a medical check-up before issuing the policy if you mention that you suffer from an adverse medical complication or condition when filling out the proposal form.
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*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.