Term insurance provides you with a life cover for a specific term. Pre-policy medicals for Term and Health Insurance facilitators before providing coverage to a person. This is to minimize the risk in covering a person.
Why Medical Examination for Term Insurance and Health Insurance is required?
A medical test is required so that the insurer is aware of the policyholder’s current medical fitness and checks if there are any pre-existing medical conditions. It is important for calculating risk perception. A healthier individual is at lower risk, and he is generally offered lower premiums.
We provide quick & quality Pre-Policy Medical Check-Up services. We understand the importance of quality medical check-ups for an insurer. So, we ensure that you are fully aware & prepared to manage future claims. Our panel of doctors can design the best package for your candidates keeping in mind your organizational goals.
What Medical Tests Are conducted?
Each insurer will have a different risk assessment policy, based on which a life assured’s medical risk is measured. The risk is measured by a grid, containing the policyholder’s age and coverage amount being the parameters of the grid. Based on these two factors, the type of tests will be administered to the policyholder. The usual tests administered, is measurement of blood pressure, ECG, lipid profile test, blood serum test, complete blood count and blood sugar.
The medical tests that you will have to undergo before buying term insurance are based on information such as age, family medical history, sum assured, lifestyle habits (smoking, drinking) that you have declared in your term life insurance application form.
Apart from the basic details such as height and weight, blood pressure and medical history, the insurance company would ask you to undergo the following tests:
- Blood Tests
- Complete Blood Count (CBC)
- Lipid Profile
- Liver Function Test
- Kidney Function Test
- Fasting Blood Sugar
- ECG/TMT/2D Echocardiography
- Ultrasonography (Abdomen)
- Chest X-RAY
- HIV, HBsAg, HCV
- Urine
- Additional tests depend on the required base as per hereditary or illness disclosed.
Wellness Packages & Diagnostic Tests
Health Copper
Test Includes 68 Parameters
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Health Bronze
Test Includes 74 Parameters
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Health Silver
Test Includes 88 Parameters
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Health Gold 20s
Test Includes 78 Parameters
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Health Gold 30s
Test Includes 88 Parameters
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Health Anytime
Test Includes 67 Parameters
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Health Anytime Pro
Test Includes 82 Parameters
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Health Couple
Test Includes 206 Parameters
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