Is A Medical Test Mandatory To Buy A Health Insurance Policy?

2022-06-12

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A medical check aims to determine your specific health status so that the insurance company can assist you in choosing the finest plan for you. Every life insurance policy buyer must pass a few basic medical tests, including:

Complete blood count
Kidney function test
Liver function test
Lipid Profile
Fasting Plasma Glucose
HIV
Routine Urine test

An ECG and treadmill test can be conducted based on the policy coverage and holders' age. It is a must to have a medical examination report for insurance before buying it.

If you are in excellent health, having these tests done will benefit you since your insurance company will pay you for the expenses of the medical evaluation if the medical examination report for insurance is all positive. Furthermore, if you have a pre-existing condition, you will be informed of the waiting time and exclusions applicable to your health condition.

According to the Insurance Regulatory and Development Authority of India (IRDAI) standards, the insurance provider must cover at least half of the cost of pre-medical tests, with the insurance company covering the rest. Insurance firms have regulations in place that require the cost of pre-coverage medical tests to be reimbursed by the policy buyer at first. It will be refunded after they have been granted health insurance with a medical checkup.

Disclaimer - This article is issued in the general public interest and meant for general information purposes only. The views expressed in this blog are solely those of the writer and do not necessarily reflect the official policy or position of Canara HSBC Life Insurance Company Limited or any affiliated entity. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the blog or the information, products, services, or related graphics contained in the blog for any purpose. Any reliance you place on such information is therefore strictly at your own risk. You should consult with a qualified professional regarding your specific circumstances before taking any action based on the content provided herein.