Health Insurance Without Medical Checkups

The cost of medical treatment is increasing day by day due to the high inflation rate in the country, and treatments are becoming more advanced and technology-driven. Nowadays, more and more people are suffering from various diseases due to poor lifestyles, and it is challenging for most of them to get quality medical care due to financial constraints.This is why people buy health insurance plans to get the best possible medical treatment for themselves in a medical emergency.

Health insurance provides you health coverage against any medical emergency during the policy term. To buy health insurance plans, health insurance companies may ask you to submit your medical history on the application form to analyze the risk they are taking. In most cases, people are unaware of any of their ailments, and even if they are aware, they may hide this information so that their application cannot be rejected or increased in their premium.

What is a Pre-screening Medical Checkup?

Health insurance companies may need to know about the medical history of the customer so that health insurance companies can be aware of illnesses and injuries suffered by customers. Your medical history can be used to predict future diseases that may affect you. This is why many health insurance companies require you to undergo several medical tests before buying a health insurance plan.

Common tests may include:

• Blood sugar level
• Blood pressure check
• Cholesterol test
• ECG
• Urine analysis

Why Are Such Medical Check-Ups Required in Health Insurance Plans?

Pre-medical checkups are required for one of the following situations:

• Age

Pre-entrance health checkups are required by health insurance companies for people age 46 or older. People are generally considered to be in good health by the age of 45, but once they get older, medical problems begin to emerge. If you are over 45 years of age, many health insurance plans require you to undergo a pre-entrance health check-up. Some health plans do not require a pre-entrance medical check-up until the customer is 55 or 60 years old.

• High Sum Assured

The risk for the health insurance company increases if the sum insured is higher because the claim amount automatically gets higher. Pre-entrance medical checkups are mandatory in case of a high sum insured amount. For example: If the sum insured amount is more than INR 10 lakhs, then a pre-entrance health checkup is mandatory for the applicant.

• Medical Condition

The health insurance company may ask you to undergo a pre-screening medical checkup before offering you a health plan if you mention that you have an adverse medical condition on the offer form.

Eligibility for Health Insurance Without Medical Tests

Not everyone qualifies for health insurance without medical checkups. The general eligibility criteria include:

• Age: Most insurers allow applicants up to 45–55 years to buy policies without tests. 
   
• Sum Insured Limit: No-test plans are usually available for coverage between ₹3–10 lakhs. 
   
• Health History: Applicants should not have major pre-existing illnesses such as heart disease, cancer, or chronic diabetes. 
   
• Lifestyle: Non-smokers or individuals with no high-risk habits are more likely to qualify.

Health Insurance Without Medical Checkups

People used to avoid health insurance because they think they have to undergo pre-screening medical checkups. Below are the reasons why they avoid medical checkups:

• People avoid pre-entrance medical checkups; even these medical checkups provide them valuable information about their health.
• People used to avoid health insurance plans with pre-medical health checkups as they were afraid of being diagnosed with a medical condition that would result in a higher health insurance premium amount.
• Many Health insurance companies only pay the 50% cost of the pre-entrance medical checkups; that's why people usually avoid health plans with medical checkups.

Best Health Insurance Plans Without Medical Checkups

Many health insurance companies offer various health plans that do not require medical checkups upto the age of 50 to 55 years. Below mentioned are some of the best health insurance plans without medical checkups:

Disclosures at the Time of Buying Health Insurance

Never think that if you disclose your medical conditions in the proposal form while applying for a health insurance plan, you will be spared the pre-entrance medical test. Health Insurance companies disclose in the policy document that a health insurance company may ask you to undergo a pre-screening medical test when buying health insurance as people try to hide their critical medical condition to avoid a high premium amount. Moreover, it is not the right thing to do for the following reasons:

• If the health insurance company discovers your non-disclosure, they will cancel your health policy.
• The health insurance company may deny your claim during a medical emergency.
• You may also lose the cumulative benefits offered under the health policy.

Conclusion

Your medical history should be fully disclosed when buying a health insurance plan to avoid any complications or stress throughout the claims process. To prevent claim rejection and policy cancellation, you should always reveal your medical history when obtaining a health insurance plan.

Although some health insurance plans do not require pre-entrance medical examinations, these plans offer only limited coverage benefits. Therefore, it is mandatory to undergo a pre-screening medical test if you want a large sum insured or comprehensive health insurance.

Disclaimer: The information published in this article is for the reader′s reference only. The content of this information is to provide an overview of your health insurance needs and should not be relied upon for personal, medical, legal, or financial decisions; you should consult an appropriate professional for specific advice. The Company makes no representations about the suitability, reliability, timeliness, and accuracy of the information, services, or any other items mentioned on this subject for any purpose whatsoever.