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Healthcare costs are rising exponentially and more and more people are becoming cautious about it. That is why people are becoming increasingly aware about the health insurance policies and the massive growth of the health insurance industry is proof of it. However, still there are people who are unsure about buying health plans because they are scared of the process of pre-policy medical check-up that is involved or that an individual has to go through during the time of a policy purchase.
It is true that a health insurance is beneficial in numerous ways, but there are certain rules and regulations that are involved in the process of procuring a health plan. And an insurance seeker is likely to follow the plan as per the requirement of the insurance company.
Some such process involve;
So, the above are the basic steps involved while buying insurance policies in most cases and many insurance seekers are scared of the last step that involves getting medical check-ups done. That is one reason why they try to avoid the idea of buying medical insurance.
In this blog, we are discussing the various ways to get people out of their anxiety related to medical check-ups and also that they can still buy a health plan without a health check-up. There are many insurers who allow individuals to buy health plans without pre-entrance medical check-up.
However, before knowing about such insurer let us first discuss the reasons or the principle which is why pre-screening or pre-policy medical check is made compulsory by many insurance companies before offering health plans to insurance seekers.
A health insurance plan helps policyholders to meet the costs of hospital bills that are incurred due to sudden medical emergencies. The health condition of a person depends on his/her age because as we age, we tend to have numerous diseases. Thus insurance providers also take into account the probable medical assistance that they might have to incur while offering health cover to a policyholder after a certain age because of the below reasons:
All health insurance providers do not make it compulsory for policy seekers to undergo pre-policy check-ups before buying health plans. Pre-policy health check-up actually depends on different things like age, health condition and so on.
Further, some insurers make 45 years the minimum limit to get a health check-up done for buying a policy, while there are others who allow individuals to procure health policies without health check-up till the age of 60 years.
Let’s discuss some such health plans here.
All the above plans do not require any medical check-up before buying policy till the age of 50 years.
In fact, Star’s Unique Health Plan doesn’t require the policy seeker to go through pre-medical check-ups up to the maximum entry age, which is 65 years. Also, the health insurance plans for senior citizens offered by Star Health Insurance called the Senior Citizen Red Carpet plan allow elderly to avail the policy without pre-policy medical check-up for policy buyers till the age of 75 years.
As already discussed above, now you know that there are many insurers offering insurance policies without any medical screening, including health insurance for senior citizens without medical test. So, if you were postponing your plans of buying insurance due to the fact that you were scared of the pre-policy medical check-up, then you can’t give that excuse anymore. So, buy a policy to secure your health if you have been postponing the same so far. There are many good policies available in the market these days which are available without any medical check-up before buying the policy.
Also Read: Types of health insurance policies in India
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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