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Pre Policy Health Check Up
Pre Policy Health Check Up asks you to undergo certain medical tests before buying a health insurance policy to determine your current health status. This helps them in providing better health coverage and reduces the chances of claim rejections.
The following points will help you understand why buying medical insurance with pre-policy health check-ups is beneficial:
1. It prevents you from paying hefty health insurance premiums
While skipping medical tests before buying health insurance may seem a quick and easier way to get the policy, it is not recommended to do this. When you decide to skip the medical examination, the insurer may consider you as a high-risk applicant and hence charge a higher premium. Therefore, getting a medical check-up done when buying health insurance will prevent you from paying hefty health insurance premiums.
2. It helps determine whether you are a high-risk applicant or not
As explained above, when buying a health insurance plan, if you avoid taking a medical examination just to save time, the insurer considers you as a high-risk applicant. This is irrespective of whether you are suffering from any critical health conditions or not. Hence, it would be best if you get a medical check-up done when buying health insurance as it helps determine whether you fall under a high or low-risk profile.
3. It helps recognise critical health conditions in advance
Getting a pre-policy medical examination done helps you discover any health condition you may have that you were unaware of. If the symptoms of such conditions are diagnosed early, you can start getting the appropriate treatment at an early stage.
4. It helps you get adequate health coverage
Taking a medical examination will provide you with a good insight into your health condition and warn you about any potential risks in advance. Based on the results, you can then determine the amount of health coverage that you need to tackle any medical expenses in the near future and avoid the risk of being underinsured.
5. It makes it easier for insurers to investigate claim requests
Pre-policy medical examinations are important during insurance claims. If you file a claim and the insurer proves that your illness was caused by a pre-existing disease that was not disclosed, your insurance claim could be rejected. By undergoing a pre-policy health check-up, your medical history will be documented, making it easier for both you and the insurer to file a claim and investigate it, respectively.
While skipping medical tests before buying health insurance may seem a quick and easier way to get the policy, it is not recommended to do this. When you decide to skip the medical examination, the insurer may consider you as a high-risk applicant and hence charge a higher premium. Therefore, getting a medical check-up done when buying health insurance will prevent you from paying hefty health insurance premiums.
2. It helps determine whether you are a high-risk applicant or not
As explained above, when buying a health insurance plan, if you avoid taking a medical examination just to save time, the insurer considers you as a high-risk applicant. This is irrespective of whether you are suffering from any critical health conditions or not. Hence, it would be best if you get a medical check-up done when buying health insurance as it helps determine whether you fall under a high or low-risk profile.
3. It helps recognise critical health conditions in advance
Getting a pre-policy medical examination done helps you discover any health condition you may have that you were unaware of. If the symptoms of such conditions are diagnosed early, you can start getting the appropriate treatment at an early stage.
4. It helps you get adequate health coverage
Taking a medical examination will provide you with a good insight into your health condition and warn you about any potential risks in advance. Based on the results, you can then determine the amount of health coverage that you need to tackle any medical expenses in the near future and avoid the risk of being underinsured.
5. It makes it easier for insurers to investigate claim requests
Pre-policy medical examinations are important during insurance claims. If you file a claim and the insurer proves that your illness was caused by a pre-existing disease that was not disclosed, your insurance claim could be rejected. By undergoing a pre-policy health check-up, your medical history will be documented, making it easier for both you and the insurer to file a claim and investigate it, respectively.
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