Medical health check-up ensures easy and smooth policy purchase

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Getting a health check-up done at the time of buying an insurance policy has been a regular phenomenon in the books of insurance, which was extensively neglected to provide convenience to customers. Nonetheless, the provision to undergo the medical check-up has found surface with the hit of the pandemic and came out as a mandated process to follow in order to purchase an insurance plan. However, customers are seen to be skeptical about taking any nature of medical examination to an extent that they give up the idea of buying an insurance plan despite knowing its significance.

Since, insurance, be it of any nature, is a service designed to provide complete security, financial support, and constant convenience to the customers, likewise, the provision for the medical check-up is also a parameter to provide smooth policy tenure and execution to the customer.

Primarily, the expense of medical check-ups is borne by the insurance service provider with the facility to get the tests done at your residential place during a suitable time. This makes the entire process of health diagnosis smooth and inexpensive for customers which can otherwise cost a few thousand bucks to the policyholder.

Rejection

When an applicant opts to skip a medical check-up procedure, the case goes on to assumption scenario where he/she is considered as a high-risk applicant which makes your application weaker which has higher chances of rejection, or if not rejected, the applicant might be cost higher premium because of unknown health conditions. Once the health conditions are clear through a certified medical report taken under the consideration of the insurer, the applicant can easily get a suitable plan with reasonable premium prices.

Choosing the right plan

Undergoing a medical check-up ensures that the applicant is selecting the right plan that fulfills the in-future required health demands. The health checks up clearly state the current health conditions along with the potential risk that a person might be carrying by reaching a borderline of a disease or prone to a critical disease and accordingly a plan and riders can be taken to ensure that it pays off the medical bills at the time of hospitalization.

In case, a policyholder is detected with a serious disease and by chance, if it is considered as a pre-existing disease then there are chances of the claim getting rejected. However, if a proper authorized medical diagnosis is furnished at the time of policy purchase which states no pre-existing disease carried by the policyholder then the insurance company cant deny settling the claim.

To summarize the significance of the medical check-up to buy any insurance plan, they might seem scary or troublesome but they are designed to deliver complete assistance in selecting the right plan and premium and allows the policyholder to leverage all benefits of the respective insurance plan in total.

(The author is Founder & CEO, PolicyX.com. Views Expressed are personal)