Pre-Policy Medical Tests: Essential for Transparent Coverage and Minimising Claim Rejections

Published By: Business Standard

Published Date: 2nd January 2025

​Undergoing pre-policy medical tests is crucial for transparent health insurance coverage and minimizing claim rejections. These tests can uncover undiagnosed conditions, enabling insurers to tailor policies appropriately and reducing the risk of claim denials due to undisclosed pre-existing ailments. Applicants with favorable test results may benefit from lower premiums, leading to long-term savings.

Additionally, understanding one's health status aids in selecting suitable insurance plans. Typically, insurers cover the cost of these tests if a policy is issued; however, if coverage is declined, costs may be shared or borne by the applicant, depending on the insurer's policies.