Myths About Pre-Policy Medical Check-Up Busted

Ever wondered why insurance make medical check-ups mandatory for senior citizens before offering them health insurance? Some elderly people fear medical tests prior to being issued senior citizen health insurance, and therefore, they often remain uncovered. However, they need not fear it because these tests come out as their buddy and help insurers provide them with an adequate cover.

When you reach 45, you pretty well know that you’re not getting any younger now. Now, you need to ensure that you have adequate health coverage so that you do not have to spend your hear-earned money on some unexpected medical expenses.Health insurance for senior citizensof the family ensures our dear elders stay healthy and have no fear about such huge medical expenses.

Some elderly people fear medical check-ups prior to health insurance issuance. Well, not all insurance companies require a person above 60 years of age to undergo a thorough medical check-up. However, if your insurer wants you to appear for such an examination, then you must. You never know what the company is going to offer to you. Generally, these medical tests are to examine the current health scenario of a person, which also ensures that the person will get the most suitable cover, based on their current health status.

What is a pre-policy medical check-up? Let’s have a look

Depending upon your insurance background – whether you are a first-time insurance buyer or you’ve already had an insurance policy when you were young, the insurer will issue you a cover accordingly. If you have some pre-existing ailment or illness that you too might not know so far, then the cover you would seek must include that for the particular ailment.

Now, if you have the symptoms of a critical illness or it already exists, then the coverage issued by the policy would consider the particular illness and the sum assured would also be in accordance with the medical condition.

Pre-policy check-up will lead to rejection

Some people have a doubt that their insurance application might be rejected if they appeared for a medical examination. However, this is a myth and it must be busted. You should know that if you would appear for a medical test, then it would be helpful for your insurer to offer you the best medical insurance policy as per your needs, keeping your current medical condition in view. The sum assured would also be in accordance with that.

For instance, if you have some pre-existing condition, then your policy would cover with the help of a larger sum assured. Besides, the premium payable would also depend on the condition.

Pre-policy check-up will lead to a higher premium

This is another myth and people often are seen confused about that. A pre-policy check-up is just to see whether or not you need some special coverage. If you do, then it will be provided to you at an additional premium price.

Well, we would not refer to this case as a myth because this is a dependency rather than a certainty. It is understood that you would have to pay a higher premium to avail additional coverage under senior citizen health insurance. In contrast, if you have no existing medical condition, then you would be paying a regular amount of money as the premium.

Over to You!

When it comes to appearing for a medical check-up, people often think that they would not get the coverage if a pre-existing ailment or critical illness was discovered. However, the only reason behind a pre-policy medical check-up is to provide an insurance seeker with the adequate coverage.

Prateek is a seasoned independent writer. His explanatory and creative writing style helps understand the subject matter easily and offers tips, tricks and expert suggestions for Star Health Insurance polices..