Quick Health Insurance Policy without Medical Check-ups - Be Careful

Quick Health Insurance Policy without Medical Check-ups - Be Careful

By Ann Maria Cleetus
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Health Insurance Policy without Medical

While choosing a health insurance policy is a big hurdle, filling up the forms and following all the procedures and organizing the documents is the biggest hurdle. While these things are important and time consuming, most insurance agents agree to do it by themselves and let the insured free of all this mess. While we want everything real quick, without getting our hands dirty we give them an affirmation for the same.

The case is equivalent to medical check-ups as well, to avoid the entire burden of going to the hospital and getting your tests done, the insurance agent might suggest you to skip your medical check-ups. We on the other hand to save time and money agree with them to do some alterations and modifications on the same. While it is unethical to do so, you need to be careful not to fall for this trick often suggested by insurance agents.

Skip Medical Test – Rejection of Claims on the Way

Skipping medical tests will not save you from hiding your illness or ailment, you will need to make a statement in the policy form that you have the concerned health issues based on which your premium amount will be decided upon. While applying for a claim for reimbursement hiding your health condition can lead to your insurance provider rejecting your claim.

Secret Investigation by Medical Experts

The claims department has medical experts who are smart enough to check whether you had a pre-existing ailment before you took the policy. The panel of members can also enquire to your neighbours, colleagues, friends, relatives and family members and if found out that you have been lying or hiding facts then they will without fail reject your claim irrespective of the premium you paid regularly. Hence, even if your agent tells you to skip tests, make sure that you conduct all the necessary tests as it will only affect you in the long run and cause you monetary loss.

Recommended Read : How to Select Health Insurance?

Take Medical Test – Pay Less Premium

To let your insurance provider know that you are a healthy and low risk candidate you need to have a thorough medical check-up after which you will only have to pay a lesser premium rate.

Skip Medical Test – Pay High Premium

Some agents might tempt you into issuing a policy that does not require medical tests or check-ups but we become lured into it considering that we need not have to undergo any tests. In these conditions the agents might charge a high premium even if we are healthy and need only pay a low premium rate.

Some insurance agents may also convince you into saying, save the amount you have to spend on medical tests which might tempt some buyers and often lead to them skipping the tests and taking the policy.

If you prudently took the medical tests as advised by your agent and submitted the relevant documents then the insurance provider cannot deny you claim as it is their duty to reimburse the money.

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6 COMMENTS

  1. People often get these policies to avoid any medical health check up an to just save time in the process of getting health insurance. It just goes to show that the less work you put into finding a good plan with a reputable provider, the less reimbursement you will get for you healthcare costs. Might be a bit of a shock if you have an emergency situation and get no reimbursement at all!

  2. Before taking medical insurance, the applicant has to go through a number of medical tests and to save the time agents are hired. Agents get it all done without any tests. But if the investigators find anything wrong or false in the statement of the applicant. Even if he/she has paid the premium, the insurance policy can be terminated which cause monetary loss to the applicant.

  3. I am newly informed. I have never been offered the chance to take a medical test to lower my premium. However, I have had to indicate if I had any pre-existing medical conditions. Also, I will definitely look into secret medical reports. This article is very informative. I look forward to reading more by Ann Maria.

  4. Good information, Health insurance is a must now a days, especially for senior citizens, as the medical cost are very high. Totally agree with the point, to take all the medical tests, so that an appropriate health insurance plan is given my the agency. Also people should understand, that agents are there only to sell the policy, understand the policy from them, and take advice by medical experts, as they will be able to guide us properly.

  5. Health insurance policy is a must for all. No doubt the paperwork involvement is tremendous and considering the low availability of time , we all try to skip the medical test. These medical test can be made easy. Why are we afraid or scared of them? It is because it is time consuming. So cannot it be made at the convenience of the insurer. Surely it can be.

  6. Getting medical tests when there is nothing wrong with is always annoying and unnecessary, at least most of us usually think that. However, in the case of health insurance policy, the medical tests should definitely have been done in order to obtain the claim, if necessary. Great article, with a very thorough explanation.

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