When you decide to get medical insurance for your family, there is one fact you need to be aware of, that of going through a pre-policy medical test. Reputed insurers like Care health insurance bring you family health plans online. The company offers the Care health insurance plan, a comprehensive family floater plan that you can get online without a medical test. However, insurers have an underwriting team, and they may recommend the test for some individuals to assess the risks.
One of the main objectives of a pre-medical test before issuing any health insurance, including medical insurance for family, is to validate if you are an eligible customer. Here you can Compare Health Insurance to appoint a better insurance provider. Many insurance providers like Care Health Insurance do not require you to go through medical tests to buy a health plan online. However, several reasons exist for why taking a medical test can help you reap the best benefits when buying medical insurance for your family. Here are some:
- Rejection Of Claim
Policyholders have the responsibility of checking they have provided the relevant details honestly when buying medical insurance for family. It will prevent the rejection of claim during the crucial time of hospitalization. Hiding a pre-existing illness from your insurance company is considered fraudulence, and it can cause your claim to be rejected. The rejection can have an impact on your financial situation as you may have to bear the hospital expenses from your pocket. If this situation happens frequently, it can create a financial crisis for any individual. Thus, it is advisable to be honest and disclose complete details about your family, medical history, and pre-existing conditions. Medical tests help you get these details, and your premium is set based on the results of the medical tests that you submit.
- Avoid Paying More Later
The cost of medical tests is quite a lot nowadays. You might think skipping the medical test is a quick and easy way, and opt for an insurer who doesn’t require these tests. However, while giving importance to the current savings, you might lose sight of the heavy expenditure you might incur later on in life. Timely medical tests help you understand your health better and curb any health problem before it takes shape. Moreover, conventional health plans are customer friendlier than those that do not require any medical tests. So, going for a medical check-up has various benefits.
- Get Rewarded For Good Health
In case your medical test proves you to be a healthy individual or family; there are chances that you can be rewarded with discounts on your premium by your insurer. This is due to the fact that they consider your family health insurance as a low-risk deal. Moreover, your premium cost will be much affordable, while the policy will have maximum benefits and coverage for you. It is a win-win situation, as your family gets comprehensive health protection without you having to spend a lot on the premium. You would find no better way than this for safeguarding your loved ones in these times of medical inflation.
- Awareness Of Plans And Their Covers
Your complete medical test can make you aware of your health conditions. By taking a medical test, you are aware of the exclusions and waiting period when you choose medical insurance for family. It goes without mention that you will have to spend on higher premiums in case of pre-existing conditions; however, it is worth it as you will be spending high amounts later on medical expenses otherwise. Pre-existing conditions are those medical conditions that exist or are diagnosed before you buy the health cover.
- Awareness Of Health Conditions
At times, you might also discover an ailment or illness in your body through this complete medical test, which you otherwise would not have discovered. That is, if there is a hidden ailment that is slowly growing into a health issue, it will show in the medical test results. If such ailments go undetected by you, they can gradually become a serious health problem, and complications may start appearing. Ultimately, you may have to spend more money on the treatment, besides having to go through the discomfort of dealing with an illness.
Conclusion:
You might wonder why an insurer offers a health insurance cover without any medical test. For the simple reason, most people believe that the cost of these medical tests is too expensive. They would rather postpone or rule out their purchase of insurance for this very reason. It has a direct impact on customer acquisition. Not many are aware that the cost of the medical tests that they take is reimbursed by the insurer post the issuance of the policy. However, medical tests differ from insurer to insurer and from one plan to another. Some of the medical tests that your insurance company may ask you to undergo are:
- Complete Blood count
- Blood Sugar Test
- Urine Routine Test
- Cholesterol level
- ECG
- Kidney Function Test
It is likely that some insurers might let you surpass these medical tests if you are below the age of 45. The reason is simply that such individuals may have low health risks. So, they can get health cover more quickly than someone who may have to undergo a test. All that one will need to do is pick a preferred policy from the company website, submit relevant details, get a quote, and pay the premium through a secure payment option. However, for those above 45 years, and if opting for a mediclaim for senior citizens, medical tests may be mandatory.
While it might seem to you like a task to complete these medical tests, it probably is more of a value than pain to take them before opting for medical insurance for family.
To conclude, there are two clear advantages of going through a medical test before opting for medical insurance for family. One is that you get a clear picture of your current health condition and the health of your family members. Thus, it helps you know the risks and get the right policy to best suit the medical needs. Secondly, a medical check-up is always a sure way to stay healthy and keep ailments from creating a severe complication.
I’m a 20-something stay-at-home mother and wife. I have an amazing husband, a beautiful daughter, two loving dogs, and a lazy cat. I wouldn’t change my life for anything! I love to read, listen to music, cook and blog!
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