Should you go for a medical test before purchasing a health insurance policy?

However, it can sometimes be a boomrang and your health insurance rights insurance company may be rejected for the reason for not destroying pre-existing diseases. This is even though we have all the essentials to declare a pre-existing disease. Know? Read to know more about navigating in such a situation.

 

Will my claim to be rejected by the previous illness I don’t know?

Many diseases of diabetes and heart situation, kidney, etc. are diagnosed for many years. Only when the lifestyle triggers is on the surface, then the person’s health is never the same. So, what if the policyholders claim to have the previous existence of the existence?

Health insurance companies can take a different approach to this. Some insured cannot take any adverse action against the claim, while some may go for more scrutiny. Mahesh Yellapur, Head of Health underwriting and Claims, says that Digit General Insurance says that the medical conditions occurred after the purchase or diagnosed medical conditions are not classified as pre-existing disease (PED).

In a recent directive by the Delhi State Commission Justice, Sangeeta Dhingra Sehgal, “UThe NTIL is admitted to a hospital for an illness of a person to get an insurance policy or the disease that has never been admitted to the hospital, may not be considered a pre-existing disease. “”

Read: GST Health Insurance, Life Insurance: Your insurance premium is likely to come down soon but how much? However. And despite the genuine reasons for not disclosing such conditions, insurance claims can also be rejected. Shriram General Insurance Executive Director and Chief Underlying Officer Shashi Kant Dahuja says that unnecessary non-processing can be due to the lack of knowledge, knowledge of the disease or fully understood the requirements, though the insurer’s policies and local rules can be canceled.

Should you insist on medical examination when purchasing a health insurance policy?

Most health insureds have recommended a pre-performing medical examination, but the potential policyholders have urged them to take one. Business Head – Health Insurance, Policy Bazaar.com, “Over the past year, especially COVID -1 ((partner’s disease) post all over the country (or companion), medical tests must be taken to obtain health insurance policies.”

Health insurance companies do not insist on medical examination; However, if the risk of delay in the claim process or even shows, it may be a good idea to ask a health insurance company for medical examination when buying a health insurance policy. This will remove any room for any PED related confusion.

What are the most common medical tests before the policy?

MD and CEO of Universal Sompo General Insurance Sharad Mathur says Sharad Mathur says that some of the tests conducted during pre-policy medical checkups (CBC), blood sugar (fasting and postprendial), lipid profile, liver and kidney function tests, ECG, BMI, BMI, BMI, BMI, blood pressure, blood pressure, blood pressure, blood pressure Is.

“For older applicants or high-value policies, additional tests may require additional tests such as stress tests (TMT), pulmonary function tests, ultrasound and eye examination. Age-specific evaluation and bone density tests are often included for senior citizens.

Diabetes and hypertension is considered a pre-adhesive disease?

Keep in mind that even after purchasing a policy, you will not be eligible to make claims related to your pre-existing diseases. Most insured considers conditions such as diabetes, hypertension, asthma, heart disease, acute kidney disease, asthma and thyroid disorders.

Generally, the waiting period for these diseases can range from 12 months to 36 months under specific conditions. In contrast, some areas may allow premium loading rather than the waiting period; This means that the coverage is provided immediately, the policyholder fills the high premium due to their pre-existing position.

Who is the cost of pre-police medical examination?

Generally, if an insurance company agrees to give a person a person, they fully suffer the cost of all-policing pre-policy medical tests. However, after a medical examination, there are no standard rules regarding who pays a person if a person rejects a policy.

In some cases, insured and individuals may split the costs. Or otherwise, some insurance companies may return the entire cost to the policyholder or subtract from any return amount.

Every Parthhanil Ghosh, Director and Chief Business Officer, HDFC Ergo General Insurance, “Pre-Policy Medical Examination is usually born in case of non-policy.

In other cases, the entire entire person can be tolerated by the insured. According to Mathur, MD, “In most health insurance policies, if a person has a pre-inspection medical examination and fails, the medical examination is usually taken by the insurance company.