Pre-Policy Health Check-Ups
- What is a pre-policy checkup?
- Why it is important?
- Tests included in pre-policy checkup
Did you know that the early detection of a health condition can significantly improve your chances of successful treatment and recovery?
But a pre-policy health checkup is like an early look into your overall health. Imagine buying a car without a test drive. Sounds risky, huh? That is exactly how it feels when you buy health insurance without a pre-policy checkup.
Now, let us understand the literal meaning of pre-policy health checkup.
A pre-policy checkup is a series of medical investigations and checkups which is mandated by the insurance companies. They do this step before issuing a health insurance policy to understand the risk involved. These checkups typically involve a combination of physical examination, blood tests, and other types of screenings, as per your age, type of policy and medical history.
A pre-policy health check-up before buying health insurance is like stepping onto a hidden elevator. They will take you up to a clearer view of your current health and down to more secure medical care for your future.
These health insurance pre-policy checkups offer a win-win situation for you as well as your insurer. As it ensures a smoother path to financial security and overall well-being. Let us see how:
When you are buying a health insurance policy, it is necessary to declare all kinds of illnesses that you are suffering from. In some cases, we are also not aware of the diseases we are dealing with. Pre-policy health check-up helps you define the disease and choose the right health insurance policy.
Here are the steps that are commonly followed in the working of pre-policy health check-ups for health insurance:
| Medical Examination Report |
|---|
| Complete Blood Count with Erythrocyte Sedimentation Rate |
| Routine and Microscopic Urine Analysis |
| Glycosylated Haemoglobin |
| Serum Cholesterol |
| Fasting Lipid Profile |
| Electrocardiogram |
| Serum Glutamic Pyruvic Transaminase |
| Serum Creatinine |
| Treadmill Test |
| 2D Echocardiography |
| Medical Examination Report |
|---|
| Liver Function Test |
| Prostate Specific Antigen |
| Hepatitis B Surface Antigen/Australian Antigen |
| Papanicolaou Test |
| Ultrasonography abdomen and Pelvis |
| Thyroid Stimulating Hormone |
| Pulmonary Function Test |
| Carcino Embryonic Antigen |
| Renal Function Test |
| Total Cholesterol |
On the bright side, pre-policy checkups offer valuable insight towards your health. But, they are merely a starting point on your journey towards better health. Here are some of the additional steps you can take to stay healthy for years to come:
Pre-policy checkups are more than just a formality in the application processes of health insurance. It offers a valuable window into your health so that you can choose the right health insurance plan for yourself. By embracing this crucial step, you can take charge of your health and well-being, ensuring the security and a healthy future for both you and your family.
If you feel like asking anything, we are here to help. Give our expert insurance advisors a call today!
A medical examination is usually requested by the health insurance company before providing the health insurance policy.
It helps in the early detection of many health conditions and diseases.
No, a medical check-up is not necessary for applying for health insurance but it helps in assessing the risk of the insurance company for providing insurance coverage to you.
Cholesterol, blood pressure, and diabetes tests are the most important health checkups.
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An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.
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