Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin

Importance of Medical Tests When Buying Health Insurance

Health insurance plans can be bought by anyone but certain eligibility factors play a major role in determining the qualification of an individual for the purchase of a health insurance plan. The pre-existing medical condition is one of the essential factors that helps the insurer in deciding if a policyholder is eligible to buy a certain health insurance plan or not. People below the age of 45 years can get health insurance plans without undergoing any pre-medical screening test. But, they have to submit a declaration of their pre-medical condition to the policyholders to get coverage on the same.

It is important to undergo a pre-medical screening test before investing in a health insurance policy to qualify for purchasing a health insurance plan. The results of these tests help in determining the type of health insurance plan that should be bought by the policyholders. People who do not reveal their pre-medical conditions to the insurers cannot claim the plans for such medical conditions in case of an emergency. Therefore, it is usually advised to have a report of your pre-medical tests to get the best suitable plan for yourself.

Importance of Medical Tests When Buying Health Insurance

Importance of Medical Tests When Buying Health Insurance

Following are some of the key points that signify the importance of medical tests when buying a health insurance plan:

  • Reduced Chances of Claim Denial

People with pre medical test reports have less chance of getting denial in times of claim settlement procedures. You can get the desired health insurance policy at an affordable premium rate without any hassles with the help of a pre medical test. Hiding or lying about your pre-medical condition is considered as a fraud by the health insurance providers and you can be legally charged for the same.

Must Read: Health Insurance - Do I Qualify?

  • Discounts

Healthy individuals with a pre-medical test are eligible to get rewards and discounts on the premium amount of their health insurance plans. The medical tests act as a proof of their healthy lifestyle and offer them accumulated benefits that can enhance their existing health insurance coverage.

  • Sufficient Coverage

People suffering from a pre-existing medical condition can get sufficient coverage for their medical treatments. You can produce the medical test of your pre-existing medical condition to the insurers and include the coverage under your plan. You can get coverage on pre-medical conditions after certain exclusions and 2 to 4 years of waiting period.

  • Awareness of Health Profile

The medical tests help the people in monitoring their medical profile periodically. You can detect a disease on time and then receive appropriate treatment for the same. It helps you in becoming aware of your health and also helps in improving the lifestyle.

  • No Chances of Underinsured

Medical tests display the health condition of the policyholders and depending on the reports they can receive sufficient coverage for their medical conditions. There is no chance of them being underinsured or receiving less than required coverage. With the medical tests, there is little to no chance of claim rejection by the health insurance providers in case of a medical emergency.

  • Money Saving

You can get medical tests coverage under your purchased health insurance cover and save your money as due to inflation the basic costs of treatments at the hospitals have increased. You can receive complementary medical checkups at the network hospital of the insurer and get detailed supervision on your health profile.

Conclusion

When buying a health insurance plan, you must make sure that it includes complementary medical tests as an accumulated benefit. If your desired health insurance plan does not include the medical tests then you can invest in an affordable medical test package that looks after the finances of the medical tests alone. To understand your policy better you can go through its terms and conditions as it avoids any inconvenience at the time of the claim settlement process.

Also Read: Top Health Insurance Plans For Cancer Patients


Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Metro
Non-Metro
Disclaimer : Actual Coverage might vary basis your location, age and number of members

Best Health Insurance Plans In India

  • Cover 5 L
    Starting at 832/month*
    No room rent limit 100% no claim bonusUnlimited restoration benefits3 years PED waiting period
    View All Features
  • Cover 10 L
    Starting at 739/month*
    No room rent limit Unlimited restoration benefits50% no claim bonus4 Years PED Waiting period
    View All Features
  • Cover 5 L
    Starting at 447/month*
    No room rent limit 33% no claim bonus100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 1,312/month*
    No room rent limit 50% no claim bonus100% restoration benefits3 yrs PED waiting period
    View All Features
  • Cover 5 L
    Starting at 448/month*
    Single Private A/C Room 20% no claim bonus100% restoration benefits1 year PED waiting period
    View All Features
  • Cover 5 L
    Starting at 664/month*
    No room rent limit null20% no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 675/month*
    No room rent limit 50% no claim bonusUnlimited restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 690/month*
    Single Private A/C Room 100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 546/month*
    Twin sharing room Zero no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 566/month*
    No room rent limit 20% no claim bonus100% restoration benefits3 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 1,770/month*
    Zero no claim bonusNo restoration benefits1 year PED waiting period
    View All Features
  • Cover 40 L
    Starting at 62/month*
  • Cover 2 L
    Starting at 146/month*
  • Cover 5 L
    Starting at 806/month*
    Single Private Room 10% no claim bonus100% restoration benefits2 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 476/month*
    60% no claim bonus150% restoration benefits4 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 526/month*
  • Cover 5 L
    Starting at 855/month*
    25% no claim bonus100% restoration benefits4 years PED waiting period
    View All Features
  • Cover 5 L
    Starting at 448/month*
    Single Private A/C Room 20% no claim bonus100% restoration benefits1 year PED waiting period
    View All Features
  • Cover 5 L
    Starting at 396/month*
    Room rent upto 2% of SI Room rent upto 1% of SI No room rent limit Single Private Room
    View All Features
  • Cover 5 L
    Starting at 738/month*
    No room rent limit 50% no claim bonus100% restoration benefits3 yrs PED waiting period
    View All Features
Note: Premium is shown for 18yr old individual of Delhi
Show More
Must BuyMust Buy

Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 80 Lacs+ happy customers