Health Insurance Without Medical
  • Pre-Medical Checkup: A Necessity?
  • Explore all about pre-medical checkups
  • Health plans without medical check-ups
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Health Insurance Without Medical Checkups

Medical prices are increasing day by day as modern-day treatments become more advanced and technology-driven. Diseases are rising as people change their lifestyles, exposing themselves to health risks. It is difficult for people to get quality healthcare because of financial constraints. This is why people are purchasing health insurance to protect themselves from the financial burden of a medical emergency.

Health insurance protects you against any medical emergencies that arise throughout the policy's term. As a result, insurance companies usually ask for your medical history on the application form so that they can analyze the risk they are undertaking. Individuals are usually unaware of diseases with which they may be affected, and even if they are aware, they hide the information to avoid rejection of their application or an increase in their subsequent premium.

What Is a Pre-Entrance Health Check-Up?

The insurance company insures the risk of diseases and injuries when you acquire a health insurance plan. Diseases can be predicted based on your medical history. As a result, many insurance companies need you to go through a series of medical exams before you can avail of coverage. These examinations are referred to as pre-entrance health examinations since they must be completed before the purchase of the policy.

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

You should be aware that not all health insurance plans require you to complete pre-entrance health examinations. Pre-entry medical examinations are required in one or more of the following situations:

  • High Age: Health insurance companies mandate pre-entrance health checkups for those who are 46 years or older. Individuals up to 45 years of age are seen to be relatively healthy, but as they become older, medical concerns start to appear. If you are over 45 years old, many plans will require you to undergo pre-entrance health checkups. Some plans do not need pre-entrance health checkups until the age of 55 or even 60.
  • High Sum Insured: If the sum insured is high, automatically the amount of claim becomes high increasing the risk for the insurance company. In case of high sum insured, pre-entrance medical check-ups are needed. If the sum insured is more than INR 10 lakh then pre-entrance health check-ups are mandatory for the applicant.
  • Adverse Medical Conditions: While submitting a proposal form if you state that you have an adverse medical condition, the insurance company may request you to undergo a medical examination before issuing the policy.

Health Insurance Companies

Health Insurance Without Medical Check-Up

Many people avoid buying health insurance plans due to the fact that they have to undergo pre-entrance health checkups. Following are the reasons for this scenario:

  • They oppose pre-entrance medical examinations, even if such examinations can provide valuable information about their health.
  • Many people also avoid buying health plans with medical examinations because they are afraid of being detected of a medical condition, which could result in a higher premium.
  • Pre-entrance health check-ups are inconvenient for many people.
  • Many insurance companies only pay 50% cost of the health check-ups, leaving policyholders to pay the other 50%. 

Health Insurance Plans Without Medical Checkups

There are health insurance plans that do not require pre-entrance health checkups. Let's have a look at some of these health insurance policies that don’t require medical examinations:

Name of Health PlanSalient FeaturesNeed for medical check-ups
Niva Bupa Health Companion
  • Covers AYUSH Treatment
  • Covers all day-Care procedure
  • Covers 30 days Pre and 60 days Post hospitalization 
No pre-entrance medical checkups needed
Star Health Senior Citizen Red Carpet
  • Outpatient consultation
  • Guaranteed lifelong renewals
  • Installment facility available for payment of premiums
No pre-entrance medical checkups needed
Care Health Insurance Care Plan
  • Outpatient consultation
  • Guaranteed lifelong renewals
  • Expense of ambulance covered
No pre-entrance medical checkups needed

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Disclosures At the Time of Buying Health Insurance

If you disclose any adverse medical condition in the proposal form while applying for a health insurance policy, you may still be obliged to undergo pre-entrance health check-ups. When it comes to purchasing health insurance, many people try to hide their crucial medical information. This is not the right thing for the following reasons:

  • If you hide any pre-existing health disease which directly impacts the risk undertaken by the insurance company and if the insurance company finds out your non-disclosure, they will cancel or null and void your policy. Not only you will lose coverage but also you will lose all the premiums you paid under the policy.
  • If the insurance company finds that you did not disclose your medical condition while purchasing the policy, it may reject your claim.

In a Nutshell

Full disclosure of your medical history at the time of purchasing a health insurance policy will prevent any hassles or stress at the time of claims. Therefore, you should always disclose your medical condition while purchasing a health insurance plan to avoid claim rejection and policy termination.

While some health insurance policies do not require pre-entrance medical exams, keep in mind that such plans would only provide limited coverage. So, Never avoid medical examinations if you want a high sum insured and comprehensive protection. Get comprehensive coverage after passing the required medical checkups.

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Naval Goel

Reviewed By : Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.