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.
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.
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:
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:
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 Plan||Salient Features||Need for medical check-ups|
|Niva Bupa Health Companion||No pre-entrance medical checkups needed|
|Star Health Senior Citizen Red Carpet||No pre-entrance medical checkups needed|
|Care Health Insurance Care Plan||No pre-entrance medical checkups needed|
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:
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.