Pre-policy medical tests: Key to transparent coverage & avoiding rejections

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Pre-policy medical tests: Key to transparent coverage & avoiding rejections - Business Standard

Quick Summary:

Insurers often offer reduced premiums for applicants who pass their medical tests without any significant health concerns.

Avoiding claim rejections: One of the most significant advantages of having a pre-policy medical check-up is the reduction in the likelihood of claim rejections due to undisclosed pre-existing conditions.

This proactive approach can mitigate the risk of claim rejections and ensure a smoother claims process,” said Rakesh Jain, CEO, Reliance General Insurance.“Medical tests promote transparency between insurers and policyholders, which is critical for smooth claim settlements.