Medical Tests Required Before Buying Insurance
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Imagine your friend is admitted to the hospital after a sudden illness. She makes a claim, but it gets rejected. Do you know why? No medical tests were performed before buying a health insurance policy, and it was in the waiting period. All insurance providers follow the norm of a waiting period. Do not let this happen to you. Get your blood tests, chest x-ray, and blood sugar analysis tests first.
Read it out to know more about medical test requirements, reasons and who needs to perform before buying the policy.
Why is a Medical Test Required Before Buying Insurance?
1. Reduce Claim Rejection Risk
If your insurers found out about a claim request for a pre-existing health condition that was not previously disclosed, they can reject your claim. However, a pre-medical test can document your health status and reduce the chances of claim rejection.
2. Coverage for Health Conditions
After determining pre-existing disease during the pre-medical test, your insurer can waive the waiting period with a premium. You can choose the right insurance coverage and remain financially protected, depending on your health condition.
3. Discount on Insurance Premiums
Suppose your medical test report shows that you are healthy and do not have any disease. The insurer can offer you a discount on your insurance premium.
4. Early Diagnosis
Pre-medical examination determines any existing disease. So that the insurer can offer cashless treatment with a specific waiting period, and you can treat the disease at the right time.
What are the Common Medical Tests Needed Before Buying Health Insurance?
1. Blood Test
A blood test helps detect health conditions such as infections, diabetes, cholesterol levels, kidney function and liver function.
2. Blood Pressure Check
Checking blood pressure can help determine serious health issues such as heart disease.
3. Urine Test
It helps in detecting infections, kidney problems, and sugar levels that indicate diabetes.
4. ECG (Electrocardiogram)
It checks heart function. This test is especially applicable for individuals above 45 years old or those with a history of heart disease.
5. Blood Sugar Test
This test provides information on blood sugar levels over the last three months.
6. Lipid Profile Test
It measures triglycerides and cholesterol levels in your blood that can increase heart health problems.
7. Kidney Function Test (KFT)
This KFT report ensures that your kidneys are properly filtering waste and detects any early signs.
8. Liver Function Test (LFT)
It checks the proper functionality of your liver. This test is vital for people who have liver-related issues or who drink alcohol regularly.
9. Treadmill Test (TMT)
This stress test evaluates heart function and is especially applicable for individuals 45 years and above.
10. HIV and Other Infection Tests
This verifies infections such as hepatitis, HIV, and tuberculosis to assess life-threatening health risks.
11. Chest X-ray
X-ray helps detect lung conditions such as tuberculosis. People with respiratory issues and a smoking habit need to perform this test.
Who Needs to Take Medical Tests Before Buying Health Insurance?
Every individual may not need to perform medical tests, so here are the requirements to take medical tests:
- Individuals above 40 or 45 years
- Buying a high-value health insurance
- Individuals with a health history of serious illnesses
- People who smoke, live an unhealthy lifestyle or drink alcohol