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All About Telemedical Check-Ups For Endowment Insurance During Covid-19

Published On Jul 04, 2021

The process of making policy related  decisions based on a tele-interview, in which a recorded telephone interview is utilized to acquire risk-related information directly from the investor, is known as telemedical interview.

The surfacing of telemedical check-ups has roots in the psychological evaluations, where the customers find it easier to disclose their medical history over telephone than in person. 

The spread of Covid-19 has pushed this method to the forefront, making it a more visible option for the policyholder and insurer.

In this article, we have covered everything you need to know about telemedical check-ups for endowment insurance during the coronavirus.

How Do Telemedical Checkups Function?

  1. The first step involves contacting your insurance provider to see if they provide telemedical appointments and what technology you'll need to participate.  
  2. Telemedical Checkups work by connecting the investor to better medical facilities available via networked connections (such as high-speed internet lines).
  3. The investor will be asked to provide answers to the questions asked by the medical professional. It is extremely important to be honest about any pre existing ailments. 
  4. After the checkup, the report is used by the Insurance provider to customize the policy accordingly.

Benefits of Telemedical Checkup

Given below are the benefits of switching to a  telemedical checkup: 

  • Easily Accessible

Telemedical Checkups have the potential to bring professional medical care to the investor. It has proved to be a more convenient option during the time of the pandemic as it makes the entire healthcare delivery model more patient-friendly.

  • Inexpensive Checkup Costs

Telemedical checkups have the potential to save healthcare costs by lowering the cost directed towards traditional visits to the doctor. It is a prudent alternative for the investor as it can cut the unnecessary costs related to medical care. 

The investors get to opt for telemedical checkup and complete the process using only certain devices, usually a mobile phone which concludes to much cheaper checkup expenses.

  • Better Services

Along with better patient care, this option also connects the investor to medical specialists, which might not be available locally. Since, there are no geographical boundations,it makes it simple for primary care doctors to consult on a patient's situation, and for patients to see a specialist who is needed for a rare form of disease, regardless of their location. 

Telemedical checkups contribute to better treatment outcomes. It also ensures that all the information regarding the medical condition of the investor is available to the insurer for customisation of the endowment Insurance policy.

Take Away

The use of telemedical checkups has been increasing constantly during the pandemic as they present a more viable option of connecting with medical care without having to violate the lockdown laws. Before buying an endowment insurance plan, it is crucial that you ask your insurance provider for the availability of telemedical checkups for better outcomes.

Also read 

Know Why Buying An Endowment Policy Is A Good Idea

Top Benefits Of Buying An Endowment Policy

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.             

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