IHS offers a pre-policy medical exam or check-up with a battery of tests and procedures that the possible policyholder is required to undergo before the policy is accepted by the insurer and health cover extended to him/her. These tests are required if the policyholder is above 40 or 45 years old, in order that the insurer is responsive to the policyholder’s current medical fitness and if there are any pre-existing medical conditions.
Why Pre-Policy Health Checks conducted by Insurers?
Pre-policy medical tests are compulsory for insurance policies these days. These tests are important because they act as a benchmark against which the insurance firm can measure the policyholder’s health.
Any pre-existing medical conditions and illnesses would come to light through such a test, allowing the corporate to create a call for appropriate protect the actual individual.
The tests are important when it involves filing claims. If the policyholder files a claim and also the company can prove that the illness was caused by a pre-existing medical condition that wasn’t disclosed or proves that the policyholder deliberately withheld information regarding his/her medical health, the claim may be repudiated. By undergoing a pre-policy test, the policyholder’s medical health is on file, making it easier for both the insurance underwriter furthermore because the policyholder to analyze and file a claim, respectively.
Why IHS can be your Preferred Partner to execute these Pre-Policy Health Checks?
- Wide Reach of Healthcare Network.
- Large network of Hospitals, Diagnostics & Medical Clinics.
- Coverage of 15000+ Pincodes.