Can You Buy Senior Citizen Health Insurance Without Medical Tests?

Posted on: Sep 1, 2023 | | Written by:

Can You Buy Senior Citizen Health Insurance Without Medical Tests?

Published on August 31, 2023. EST READ TIME: 3 MIN

So, you are worried about the rising healthcare costs and decide to buy an adequate senior citizens health insurance policy to cover your medical bills. However, when you check and compare different policies online, you notice that most insurance providers want their prospective customers, especially senior citizens, to undergo mandatory medical tests.

Yes, if you are over 45 years of age, you must undergo certain medical tests before buying health insurance. These tests help the insurer understand your eligibility for coverage and the risks involved in covering you. However, if you are looking to buy senior citizen health insurance without medical tests, the following information can come in handy.

Can You Buy Senior Citizen Health Insurance Without Medical Tests?

Most health insurance companies in India want senior citizens to undergo medical tests at the time of policy purchase. The test reports give them a clear picture of your health and help them decide on the coverage and premium of your healthcare plan. For example, if the medical test report indicates the presence of certain underlying health conditions in your body, the insurer may charge higher premiums on your health insurance policy to cover the risk.

Hence, senior citizens or anyone aged over 45 must undergo medical tests to get their health insurance approved.

Although some insurance companies may issue policies to senior citizens without medical tests, they may offer limited coverage at higher premiums. So, if you are looking for wide coverage at affordable premiums, you must get the required medical tests done.

Why Insurance Companies Ask You to Undergo Medical Tests Before Buying Health Insurance?

If you are a senior citizen looking to buy a healthcare policy, any insurer you approach will want you to undergo some important medical tests to know the status of your health. Based on the test reports, the insurer will decide the coverage and premium of your health insurance policy.

For example, if you are in good health and follow healthy lifestyle habits, the insurer will offer you wide coverage at affordable premiums. On the contrary, if your test reports show a pre-existing health condition, the insurer will charge higher premiums to cover the risk.

Considering the many benefits a health insurance policy can offer senior citizens, especially those with limited income or savings, it is wise to get the required medical tests done. If there is a medical emergency, the insurer will cover the bills and save you from major financial setbacks. You can also opt for timely treatment at a reputed hospital and be on the road to recovery sooner.

Things to Keep in Mind if You are Buying Health Insurance Without Medical Check-ups

The following are a few important things to keep in mind if you choose to buy parents health insurance or senior citizen health insurance without medical check-ups:

1. Be true about your medical condition

If you are buying a health insurance policy without medical tests, make sure you disclose all necessary information related to your health truthfully. For example, if you suffer from a pre-existing health condition, such as diabetes or high blood pressure, or if you underwent any major or minor surgery in the past 3 to 4 years, tell the insurer about it. Non-disclosure of information can lead to health insurance claim rejection. The insurer may also cancel your healthcare plan for good.

2. Limited coverage

If you choose to buy health insurance without medical check-ups, the insurer may not offer comprehensive coverage. So, you may have to pay certain medical bills from your pocket.

3. Higher premiums

Insurance companies offering healthcare policies to senior citizens without medical check-ups usually charge higher premiums to cover the risks. Therefore, even if you are healthy, you will have to pay high premiums every year to keep your health insurance policy active.

4. Delay in claim approval

Since the insurance company will not have any record of the status of your health, the entire claim process may get delayed. When you file a claim with the insurance company, they will verify your documents, check your hospital reports, etc., before settling the claim. In case your reports show the presence of a pre-existing health condition that you did not disclose earlier, the insurer may reject your claim altogether.

Conclusion

To sum up, although you can easily buy senior citizen health insurance without medical tests, it may not be an ideal thing to do if you are looking for comprehensive coverage at affordable premiums. Hence, getting the required medical tests done and choosing the right health insurance policy is advisable.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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