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 entireburden 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.
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.