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Don’t Want to Undergo Pre-policy Medical Checkup? Read This

Updated On Nov 24, 2020

When it comes to buying health insurance, customers explore different options in accordance to their specific medical requirements. While many features of a particular health insurance plan may suit their needs, there are multiple that come across as unwanted. One of the major examples of features like such is pre-policy medical checkup.

What is Pre-policy Medical Checkup?

Those new to health insurance world, pre-policy medical checkup is a medical examination that health insurers request before providing coverage to a customer. Such an examination under health insurance requires the prospective policyholder to undergo a series of tests before the insurance company accepts the policy and provides health coverage. The reason behind health insurers requesting pre-policy medical checkup is minimising their risk in covering a person. Yet another reason behind the same is because with pre-policy medical checkup, a health insurer becomes aware of the current medical fitness or pre-existing diseases (if present) of the policyholder.

To know what makes pre-policy medical examination a popular choice, read Medical Test in Health Insurance Is Beneficial, not Non-Essential

When is Pre-policy Medical Checkup Important?

While there are many health insurance plans that mandate pre-policy medical checkups, also present are some that include the age criteria for the medical examination. 

Note that age period between 18 years to 45 years is considered less risky for the onset of diseases. Therefore, many plans skip the need for pre-policy medical checkup in such cases. However, in cases where a person is aged 45 years or above, they have to undergo a stream of medical tests in order to avail the policy. 

Plans with no pre-policy medical checkup up to 55 years and even 60 years are also gaining spotlight in the present day and age.

Having said that, if you are in search of a health insurance plan where you won’t have to undergo pre-policy medical examination, make sure you choose the plan carefully, especially according to the age criteria. 

Health Insurance Plan Options for You?

  • Religare - Care Freedom 

A superior plan by Religare Health Insurance, Care Freedom is well-known for covering any individual, be it a kid or a senior citizen. With 90 days as minimum entry age and a limitless maximum entry age, the plan yet another benefit to offer. Religare Care Freedom does not require pre policy medical checkup for all ages. With sum insured ranging up to Rs. 10 Lakh, Religare Care Freedom is an excellent plan that comes with lifelong renewability, automatic restoration of sum insured, and various other benefits. For more, check Religare Care Freedom 

  • Max Bupa – Criticare

An affordable plan, Criticare is Max Bupa’s key product that covers 20 critical illnesses. Providing wide coverage with a lump sum amount (two options available), Criticare can be availed by anyone aged between 18 years and 65 years. With sum insured range options between Rs. 3 Lakh up to Rs. 2 Crore, the plan doesn’t require one to undergo pre-policy checkup if they are up to 45 years of age and have sum insured less than Rs. 10 Lakh. Guaranteed renewal for lifetime, discounts on availing 2-year and 3-year policy terms, Max Bupa Criticare is a plan worth investing in. For more, visit Max Bupa Criticare

  • Star Health - Family Delight 

Family Delight by Star Health Insurance is a comprehensive plan that any family can make the most of to avoid financial burden during a medical emergency. With eligibility age ranging between 5 months and up to 65 years, the plan doesn’t come with an exit age. Renewable for lifetime, Family Delight doesn’t require people up to the age of 50 years to undergo pre-policy medical tests. With Rs. 2 Lakh and Rs. 3 Lakh as sum insured options, Star Family Delight is a superior plan that provides complete financial protection to a family under a single sum insured. For more, explore Star Health Family Delight 

  • Star Health - Family Health Optima 

Another gem by Star Health, Family Health Optima is a super-save choice that meets the medical requirements of families perfectly. A simple policy offering wide coverage for the complete family, Family Health Optima features an eligibility age range of 16 days up to 65 years. Yet another feature is that the policy doesn’t require individuals below 50 years of age to undergo pre-medical checkup for buying the policy. Having sum insured range from Rs. 3 Lakh and up to Rs. 25 Lakh, Family Health Optima offers benefits like AYUSH treatment, second medical opinion, and others. Details at, Star Health Family Health Optima 

  • Star Health - Mediclassic Insurance Policy 

Mediclassic insurance policy by Star Health not only provided reimbursement of hospitalization expenses due to sickness, illness and diseases, but also covers personal or car accident injuries. With eligibility age ranging between 5 months and 65 years, Mediclassic insurance policy provides freedom from pre-policy medical screening to people aged under 50 years. Offering sum insured Rs. 1.5 Lakh up to 15 Lakh, Mediclassic Insurance Policy comes with benefits like non-allopathic treatments, emergency ambulance cover, fees for surgeon, anesthetist, consultants, and others. Discover more, at Star Health Mediclassic Insurance Policy 

  • Star Health - Comprehensive 

Comprehensive Health Insurance Policy by Star Health is a worthwhile plan. Affordable and true to its name, the policy is a complete health product for family that comes without sub-limits or capping. Offering coverage to an entire family under a single sum insured, Comprehensive by Star Health is eligible for anyone aged between 3 months up to 65 years, the policy doesn’t demand individuals above 50 years of age to undergo pre-acceptance medical screening. With sum insured between Rs. 5 Lakh up to Rs. 25 Lakh, Star Health Comprehensive is a superior health investment. For more, visit Star Health Comprehensive

  • Oriental Insurance – Happy Family Floater Policy 

The perfect definition of a happy family, Happy Family Floater Policy by Oriental Insurance is an affordable health investment. With eligibility age range between 91 days up to 70 years, the policy provides coverage for an entire family under a single sum insured. Available in Silver, Gold, and Diamond variants, the policy doesn’t require people under 60 years to undergo pre-medical screening in case of Silver and Gold variants and persons aged under 55 years to undergo a pre-acceptance medical check-up in case of Diamond variant. Other benefits of the policy include daily hospital cash allowance, organ donor benefit, etc. More in detail at Oriental Happy Family Floater Policy

Undergoing pre-policy medical screening has its own importance. 

Many customers intend to undergo pre-policy medical examination. If you wish to uncover the reason, read Importance of Pre-Medical Tests in Health Insurance.

However, if you still want to skip pre-policy medical tests, make sure you choose your plan wisely after considering all your medical requirements. 

To uncover more about the plans mentioned, feel free to visit our website. 

You can also get in touch with our experts and uncover more about these and other plans at 18001205698. 

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