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All that you need to know...


Frequently Asked Questions

Is A Medical Test Mandatory To Buy A Health Insurance Policy

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.