The Importance of Pre-Policy Health Check-Ups and What Happens If You Skip Them

Pre-policy medical tests refer to the tests conducted by insurance companies to assess an individual's health condition and offer a plan that best suits their health requirements and budget. These check-ups are not always mandatory. However, most of the time, the insurer decides whether you need to undergo a medical test or not. The insurer decides based on your age, medical history, and the sum insured.

Why Are Pre-Policy Check-Ups Important?

A pre-policy check-up is important because of the following reasons:

• Detect hidden health complications:It may help identify some hidden health complications at an early stage.


• Sets the premium amount: Depending on your health risks, the insurer may offer you a health insurance policy with a lower or higher premium.


• Prevent claim rejection or delays:Transparency about your health, especially pre- existing diseases, can be maintained, which can help the claim get approved on time.


• Helps get the appropriate Coverage:It helps you to get a plan that best suits their health requirements.

What Happens If You Skip Them?

There are many scenarios when your insurers may allow you to skip pre-policy tests, especially when you are young or have not disclosed any past medical history. However, skipping medical tests can come with certain risks, such as:

• Undetected health issues may lead to complications later.


• In some cases, your claims may not be approved if the insurer later finds out that the condition is pre-existing but not disclosed.

Bottom Line

Pre-policy medical tests help insurers assess health risks, prevent claim rejections due to undisclosed illnesses, and offer the right health insurance coverage according to the requirements.