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Why medical test is mandatory for health insurance

Medical Test in Health Insurance & Its Importance

Most people cringe at the thought of medical tests, but they are always necessary for one reason or the other. When it comes to health insurance , it is doubly important to get a medical test. While some individuals think that medical tests are a way for health insurance companies to provide limited benefits, then they are wrong. Medical tests are a way for health insurance companies to completely assess your health so you can plan for your future in the best possible way.

Are Plans that Require No Tests More Secure?

Not at all. While they might seem more secure, it can just be a way of depicting them as more consumer friendly. The right way to check if a plan is secure, is to carefully go through their policy guidelines and exclusions, to ensure that the coverage you get will be adequate for you and your family.

Importance of Medical Tests

Pre-existing Conditions: One of the key terms within insurance plans is that they do not cover pre-existing conditions. While you can mention such conditions in your policy proposal form, many people do not take medical test regularly and might not know if there was an underlying condition. However, you do not need to worry if you have a serious pre-existing condition, because most health insurance companies provide coverage for such condition after 3 to 4 years of constant policy withdrawal. Furthermore, some companies also provide coverage from the first year itself with additional cover.

Extra Charges: Some individuals are concerned that the inclusion of pre-acceptance medical test increases their expenses. On the contrary, some companies do not charge for such tests, or the charges and minimal in scope of the entire payment.

Adequate Cover: One of the key purposes of the medical tests is to make sure that the amount of sum insured by the policy is meeting up the requirement of the health condition of you and your family members. If there is an emerging condition would require more attention in the future, the companies will recommend you to increase your coverage. Similarly, if you are in a healthier condition, the insurer will inform you about the same and adjust their quote.

Starting Afresh: When a health insurance policy starts providing coverage, it acts as your lawyer. In order to protect you, your insurance provider needs complete information about your medical condition so that it can protect you in the best way possible. When you take an insurance cover, you start a long-term relation with the insurer with complete clarity about your health, which helps in planning the healthcare requirement for the future.

Final Words

While many people fear medical tests, you should know that most insurance companies only require medical tests for insuring individuals above 60 years of age, which completely make sense from a coverage point of view. To ensure that you get adequate coverage with complete knowledge about the health of your family, it is advisable that you opt for health insurance plans which take pre-acceptance tests when required.