Can I Get Health Insurance Without Medical Tests?

Yes, it is possible to get health insurance without a medical test, particularly at a young age. However, insurance experts recommend conducting a medical test before choosing a health plan, as it helps both you and your insurer determine the range of coverage and the insured sum amount you need. 

To know more about the benefits and drawbacks of health insurance without medical check up in India, read on:

What is Health Insurance Without a Medical Check-up?

A health insurance without a medical exam refers to a type of policy that allows its applicants to avail health insurance coverage without any medical tests. Those who prefer a hassle-free insurance policy approval, this type of plan is ideal.

People aged between 18 and 45 are eligible for such policies, since insurers consider them as low-risk. However, people over the age of 45 need to have a medical test at the time of purchasing a health insurance plan.

For example, when a 35-year-old individual plans to purchase a health insurance plan, they need to declare their lifestyle habits, such as whether they smoke or drink, and if they have any pre-existing diseases, such as diabetes or asthma.

Based on this health-related self-declaration, the insurer determines the coverage and premium. These types of insurance premiums are higher compared to policies purchased after a medical test.

How Does Health Insurance without Medical Check-Up in India Work?

If you are applying  for a health plan without a medical test, the insurer will evaluate certain factors, which include:

Age-based evaluation

Since insurers consider people aged between 18 and 45 to have lower health risks, when applying for a health plan, they need to submit a detailed proposal form or questionnaire. The form contains information regarding their health status, pre-existing conditions, medical history and lifestyle habits.

Sum Insured Amount

Depending on the coverage amount you, as a policyholder, are looking for, the insurer decides whether medical tests are necessary or not. If you are looking for a lower sum insured amount, you do not need medical examinations. 

Self Declaration

You must provide authentic information regarding your health status, pre-existing health conditions, and lifestyle habits since it helps to maintain transparency with the insurer. If insurers find that you have provided wrong information, your claims might get rejected.

What are the Types of Health Insurance Plans Without a Medical Check-Up in India?

Family Health Insurance

Family health insurance plans offer comprehensive health coverage to your entire family under a single plan. You can obtain this type of plan without any medical tests if you are under the age of 45. Some of the benefits of a family health insurance plan include:

Covers for you, your spouse and your children.

Offers coverage for daycare procedures and surgeries.

Pre and post-hospitalisations are covered.

The sum Insured amount is shared among all the family members.

If you are looking for a family health insurance plan where you can obtain a policy without any medical checkup, choose the Family Health Insurance plan from Bajaj General Insurance.

Individual Health Insurance

Policy seekers looking for individual health plans to cover their hospitalisation and daycare charges can choose an Individual health insurance plan. However, it is important to ensure that the policyholder does not have a pre-existing health condition and is under 45 years of age. Some key benefits of individual health insurance include:

The sum insured amount can be reinstated, helping policyholders to avail full coverage for their next year's policy claims.

Provides coverage for homoeopathic and ayurvedic treatment.

Maternity and newborn baby cover is available.

Offers daily cash benefits.

Group Health Insurance

From cashless hospitalisation benefits to family coverage and preventive check-ups, you can choose a group health insurance plan without any medical tests if you meet the eligibility criteria. Key benefits of group health insurance include:

Policyholders have the option to extend their coverage with riders and add-ons.

Covers for AYUSH hospitalisation that includes treatments of Ayurveda, Yoga, Unani, Siddha, and Homoeopathy.

Offers coverage for pregnancy and other childbirth-related expenses.

What are the Benefits of Health Insurance Without Medical Tests?

Quick Approval and Instant Coverage

Without the need to schedule appointments, complete tests, and wait for results, you can get coverage instantly. It is particularly valuable during emergencies or when you need immediate protection.

Convenient and Time-Saving

No need to take time off work, travel to diagnostic centres, or undergo uncomfortable procedures while purchasing a health plan. The entire process can be completed online from the comfort of your home.

Stress-free Policy Purchase

Many people worry about whether, after a medical test, they will get the preferred sum insured amount or not. When they know that they do not require medical tests to obtain a policy, they become stress-free. This attribute makes health insurance more accessible to those who might otherwise avoid it.

Lower Initial Costs

A policy that requires no premedical tests allows you to save money on diagnostic tests, which sometimes can cost several thousand rupees. That way, utilising the savings, you can get a wider coverage on your health insurance plan.

Privacy

Some people prefer their privacy and do not want to share their medical information with the insurers. Insurers like Bajaj General Insurance respect that. They allow policy seekers to buy a policy without medical tests while still providing coverage.

Accessibility

People who live in remote areas with limited access to diagnostic facilities can still obtain quality health insurance.

What are the Disadvantages of Health Insurance Without Medical Tests?

Stricter Underwriting

Since no medical tests were done at the time of policy purchase, insurers may apply a higher waiting period, copayments and specific disease exclusions.

Risk of Claim Rejection

Suppose a policyholder has not disclosed a pre-existing health issue to their insurer at the time of policy purchase. Suddenly, if they become sick, triggered by the pre-existing condition, the chances of claim rejection increase.

Limited Sum Insured Amount

Health insurance without a medical test may have a limited sum insured amount since insurers are unable to evaluate the policyholder’s health-related risks.

How to choose the best health insurance without a medical test?

Before purchasing a health insurance plan without a medical test in India, it is essential to compare different insurers and their premiums.

Identifying your personal requirements is necessary since, based on that, you can customise your health plan.

For people with pre-existing health conditions such as diabetes, asthma or cardiac health-related issues, it is better to choose a plan that comes with medical tests.

Confirm the premium payability not only in the present but also in the future, since that will ensure that you can continue to avail yourself of benefits for a long time. 

Final words

During a time when healthcare expenses are rising rapidly, a reliable health insurance plan could save your life savings. However, while choosing health insurance without a medical test, you need to maintain transparency with the insurer. For example, if there is any pre-existing condition, it is crucial to notify your insurer; only then will you be able to get the right sum insured amount. Moreover, it will ensure a smooth claim settlement in the future.

For a seamless purchasing experience of medical insurance for the family, choose Bajaj General Insurance. We offer a wide range of plans that you can purchase with or without medical tests. These plans are beneficial and cost-effective.

FAQs on Health Insurance without medical tests

Why Do Insurers Avoid Medical Tests for Some Customers?

Insurers avoid medical tests for some customers in the age group between 18 and 45 because the population under this age category has a lower claim frequency. According to data, claim frequency under this age group is 40% to 60% lower than in older age groups.

What is Premium Loading in Health Insurance Without Medical Test?

A premium load refers to additional charges imposed on the regular premium. This common practice covers administrative costs and underwriting expenses.

What are the pre-policy Medical Tests in Health Insurance?

A pre-policy medical test refers to the series of tests a policyholder has to go through while applying for a health insurance policy. Based on these test results, insurers evaluate your current health conditions and determine the sum insured amount you are eligible for.

Which Medical Tests are required for Health Insurance?

Medical tests for health insurance vary from one insurer to another. However, some of the most common tests include BMI check, blood sugar levels test, RBC examination, lipid profile, kidney function and liver function test.

Is it necessary to do a medical test while purchasing health insurance?

No, it is not mandatory. It depends on factors such as your coverage amount, age, and pre-existing diseases. However, undergoing medical tests helps to maintain transparency with the insurer, helps during claim settlement, and determines the appropriate sum insured amount.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.