1. We know what you're thinking –
getting insurance means you have to undergo a number of tests, which means a trip to the path lab! Yes, it may not be a pleasant thought, but with the help of these tests, you will not only have an update on your overall health but also get a chance to select the right type of insurance. After all, a health insurance policy is one of the most important investments we make.
2. What is the Need for a Medical Test?
This is the most obvious question that pops up in the mind of a first-time insurance buyer. So, to answer your question, a pre-policy health check-up gives your insurance provider a fair idea of your current health. These tests bring to light any existing medical conditions, which helps insurance companies to provide applicants with the most suitable cover.
3. What Kind of Tests Do I Have to Do?
In all honesty, the tests aren’t entirely invasive or exhausting. Typically, they start simple, with the insurer checking your height, weight and age. Besides this, you can expect them to check your:
- Blood pressure: Ideally, they will record the numbers on both your arms. Typically, your pressure should be around 80/120mmHG. If it is significantly higher or lower, you may require medical attention.
- Electrocardiogram (ECG): This will record your hearth's rhythm and activity by observing its electrical activity. It's a very good indicator of your heart's health.
- Lipid profile: Your lipid profile is checked by taking a sample of your blood. It checks something known as the dyslipidaemia symptom. In simpler words, it lets you know how much good and bad cholesterol triglycerides you've got in your body.
- Blood serum: This is a simple blood test done to measure the amount of albumin in your blood. This will indicate how healthy your liver and kidneys are.
- Blood count: A complete blood count test or CBC is done to evaluate your overall health and to measure several components of your blood.
- Blood sugar: As the name suggests, this blood test helps diagnose diabetes and also helps keep a check on the amount of sugar in your blood.
4. Who Pays for the Tests?
This may differ from one insurance provider to the next. While some are willing to bear the cost and conduct the test for their records, others agree to share half the cost or may even ask you to pay for all the tests.
5. I've Done the Tests – Now What?
If all your test results are within the normal range, your application is likely to be approved and your selected insurance provider will let you know about any remaining paperwork. On the other hand, if there's an issue with any of the tests, you may have to undergo further testing.
Given the tests involved, purchasing health insurance may seem like a task, but it’s definitely worth it in the long run. Remember, a healthy lifestyle and a good health policy are all you need to live your life fearlessly!