1325
5 min read
It is very important to get your comprehensive health checkup before you buy health insurance.
A health insurance policy is supposed to help you get coverage for various expenses that you incur before hospitalization and after the same. Having such a policy means you have to face far less strain on your finances. These policies include check-ups that are done at regular intervals so that various ailments can be detected as soon as possible. The period for which you have to get the check-up done also depends on the insurer from which you have bought the policy. Apart from the regular medical tests, you might have to undergo a health test before you renew such a policy.
However, please remember that these tests are not mandatory as far as buying health insurance plansare concerned and the insurer could always waive them off. However, if you are older than 45 years you may have to get such a test done before you can buy a health policy. This condition, though, varies marginally depending on the insurer that you are buying the policy from.
People normally buy health policies so that they can protect themselves from the uncertainties of life and delay their deaths as much as they can.
Now, even when you are buying the best health insurance you may already be suffering from an ailment. It is common knowledge that health insurance is so costly that most people find it hard to afford. On top of that, if you are already suffering from a disease when you try to buy such a policy the premium can rise even more sharply making it hard for such people to afford these costs. During the time that you are covered by such a policy you may develop some illness, which could then be covered by the insurer.
Visual Stories by Mahindra Paybima
The word pre-existing medical condition means a disease that you are already suffering from when you are attempting to buy the best health insurance in India. Now this condition could be an illness or a medical injury. Examples of such pre-existing health issues are the likes of cancer, COPD (chronic obstructive pulmonary disease), diabetes, and depression, to name a few. Normally, the likes of diabetes and hypertension are rather common conditions but even they entail a higher premium.
When an insurance company is selling comprehensive health checkup packages it conducts a medical checkup of the subscriber. This is done mainly by the insurer so that it can find the health risks that are possibly associated with the buyer. This also helps them learn about the illnesses that the person in question is going through. In case you are over 45 years, an insurer could ask you to take such tests. However, this depends on the insurer that you are buying the policy from. The IRDAI (Insurance Regulatory and Development Authority of India) states that the costs of these tests should be divided equally between the buyer and the seller.
Following are the reasons why a full body comprehensive health checkup is important in the context of these policies:
There are several reasons why you should get these tests done before you buy a health insurancepolicy. First of all, an insurer would only accept the claim when it has total information on your health. It represents a contract of good faith. If you hid any condition while buying the policy and fell ill because of the same your claim would be rejected by the insurer. In that case, it would be well within its rights to do so. This is why it is your responsibility to disclose all the important information over here.
Following are the tests that you should get done when you are trying to buy health insurance plans:
It is common knowledge that you have to get a check-up if you are 45 years and older in these cases – below that it is optional. So, if you are not 45 yet you could always skip these tests. However, getting these tests done could be just as beneficial for you as it could for the insurer.
If you want the best health insurance we suggest that this is something that you do not bypass. We have already said how you can skip them if you are under 45 years. In the case of some insurers, this comes down to 40 years. So, as you can see for yourself, this varies from one insurer to another. Usually, if you want to buy a health plan with coverage of over five lakh rupees you would need to get these tests done.
Conclusion
Even if you think that you are buying the best health insurance in India you should keep a few things in mind before you make any final decision in this regard. The first such thing is what you require from the policy. Talk about them with the insurers. Always choose the plan that you think offers you the best option in terms of the needs that you have. Try to find policies where you get facilities such as free health check-ups, discounts on premiums if you are healthy, no-claim bonuses, and coverage for pre-existing illnesses.
Also Read:
Browse Mahindra Paybima Blogs to read interesting posts related to Health Insurance, Car Insurance, Bike Insurance, Term Life Insurance, and Investment section. You can visit Mahindra Paybima to Buy Insurance Online.
PayBima Team
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.
AYUSH treatments have recently generated massive popularity as an emerging branch of medicine. Looking at the increasing demand for the treatment, it has become imperative.
The year 2024 started with some groundbreaking measures and initiatives in the health insurance sector to facilitate policyholders with better health coverage and benefits. One.
Our knee is an important joint in the entire musculoskeletal system. The support and strength of the knee are pivotal for fluid movement and locomotion..
Updated on Jan 30, 2024 Understanding how OPD and IPD are two different terms in medical science, their coverage in health insurance plans and the.
Updated on Jan 23, 2024 February 10 marks the National Deworming Day observed every year across India. Let us understand the importance of deworming and.
Insurance is an indispensable requirement. However, not everyone can afford individual medical insurance to stay covered against major uncertainties, especially after retirement. If that is.
Updated on Feb 22, 2024 World Cancer Day aims at educating people and spreading awareness about detecting cancer and its prevention and treatment. Let us.
Updated on Jan 23, 2024 Rare Disease Day is an occasion observed on the last day of February every year. This year February 28 marks.
Cancer is a disease that needs no introduction. We all know how deadly the disease is and how rapidly it is spreading across the world,.
Updated on Jan 30, 2024 What is Insurance Regulatory and Development Authority (IRDA)? - Know in Detail The Insurance Regulatory and Development Authority of India.
Speak to our advisor
Mahindra Insurance Brokers Limited (A Mahindra Group Company) - Unit-202, A-Wing, 2nd Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, LBS Marg, Kurla West, Mumbai - 400070. Tel: +91 22 66423800
Licenced by IRDAI License No. 261; License Validity : 17-05-2025; Category : Composite Broker; CIN : U65990MH1987PLCO42609 Member of Insurance Brokers Association of India (IBAI).
Insurance is the subject matter of solicitation.
For a seamless experience, use the latest version of Chrome/Firefox/Internet Explorer.
Copyright © 2024 Mahindra Insurance Brokers. All Right Reserved.
Verify your number to activate your best premium offer
Please enter the OTP sent to XXXXXX 4099 to continue