Why Medical Checkup Is Important While Buying Critical Health Insurance

Published on 21-Sep-2022

Let us explore how a critical health insurance plan can benefit you in several ways and why it is necessary to get medical checkups done while buying a health policy.

Day by day, we are getting entangled in the trap of many non-communicable diseases such as heart attack, renal failure, brain stroke, diabetes, and other critical illnesses. Some modern researches suggest that the heart disease rate has increased from 1% to 7.4% in rural areas and from 1% to 13.2% in urban areas of India.

Our sedentary lifestyle, bad eating habits, and irregular working schedules have drastically impacted our well-being. Ensuring a good status of mental health as well as physical health is an essential aspect of preventing hazardous and critical diseases. Prioritizing health consists of financial health security, future medical plans, emergency medical support, etc.

To avoid any health risks, it is always better to protect yourself and your family with a medical insurance plan. You can also take insurance advice from Policy.Online and get a quote from a top health insurance company in India.

Understand Critical Health Insurance Plan

Critical health insurance plan or Critical Illness Cover is a health protection coverage for yourself and your family other than your general health insurance policy. It adds more medical benefits to your health coverage during a medical emergency. It provides you the financial backing for all your critical illnesses which includes the cost of diagnostic tests, hospitalization, surgery, and other expenses. The critical health insurance plans offer benefits for 40 major critical illnesses.

If you are diagnosed with any of the major critical health problems which are covered under your health policy, the sum assured of the policy will be transferred to the policyholder account. You can use this financial aid for your treatment, recuperation as well as daily expenses.

Processing a cashless claim on a critical illness plan is an easy and straightforward method. The claim processing is completely based on the diagnosis and medical reports provided by your doctors.

Why is it important to take a medical check-up while buying a Critical Illness Insurance Policy?

It is important to go through all medical tests and diagnoses before purchasing a critical health insurance plan. It has to be done under the supervision of your medical supervisor or doctor and suggested by your health insurance companies. Also, several health insurance companies do not require health checkups for their plans and they offer policies at very affordable premiums or low premiums. But the fact is that their final sum assured during a claim request will also be granted less which does not fulfill the medical expenses.

Ensuring all medical tests are done before purchasing a health plan guarantees fast claim processing during a medical emergency. It provides a clear indication to your insurer about the present existing diseases and the prognostication of any future illness. Your health checkups give a clear indication of the risks involved in the making of a claim process.

Let us understand this through an example of why it is necessary to take a medical check-up to purchase health insurance. Suppose you are diabetic and you have carried out your sugar test which is of a moderate level. Now there is a probability that your symptoms will become worse in the near future. So it gives a strong indication to your health insurer to be ready for disbursing the claims and easy management the distribution of the sum assured.

Some Medical Tests Required to be done Before Buying a Health Insurance Plans Online

Below is the list of some necessary health checkups to be carried out before buying a critical illness plan:

1. Electrocardium ECG or EKG to check the condition of heart health
2. Blood tests check the presence of any specific diseases such as HIV or Hepatitis B or an infectious or communicable disease.
3. Cholesterol level check-up
4. Smoker Test
5. Urinalysis or urine test for any specific infection or disease.

Your insurer can also ask you about height, weight, age, BMI, etc. They can also consider more details from you such as-

1. Your clinical history and history of your family and close relatives.
2. Your occupation
3. Lifestyle and hobbies whether you are engaged in any kind of wrong habits
5. Your locality, office, and work schedule

Some General Benefits associated with Critical Illness Insurance Plan

Let us discuss some benefits of critical illness insurance plans which meet the required standard of disbursing the incentives of a health plan.

1. Get a rebate on income tax under section 80D of the income tax act.
2. Get a cashless facility for your medical expenses
3. No Claim bonus on your plan to get a discount on premiums
4. Monetary cover for all your clinical expenses and other expenses are also covered.

Policy.online Offers Best and Prominent Solutions For Your Critical Illness Insurance Plan

Here, we at Policy.online offer the best and most relevant solutions for your health plans from the most reputed insurer companies in India. We are adherent to our values and principles to support you by providing trustable insurance plans and protecting you from any fraud. We are happy to serve society by ensuring their safety through means of monetary and financial support.