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Health Insurance Plans With No Medical Checkup in India
After all the long working hours, deadlines, and responsibilities, the last thing any person wants is undergoing medical tests just to buy a health insurance plan. That’s why choosing a health insurance plan with no medical check up in India feels like a relief. It lets you secure protection for yourself and your family without added stress or delays.
Whether you’re a busy professional, a senior citizen, or simply someone who values less hassle, this plan ensures no hospital visits and less paperwork. Continue reading this article to learn about such plans and how they work.
Table of Contents
Why Medical Check-ups are Usually Required for Health Insurance?
How Does The Health Insurance Plan With No Medical Checkup Work?
The insurance company provides the policy based on your medical history as provided in the application form. If you do not have any severe medical conditions, your application will typically be approved, and there will be no medical testing.
The insurer may require further tests before approval if you have disclosed or revealed possible signs of a pre-existing medical condition. It is easier and faster for customers in good health to get coverage regarding their hospitalisation, pre and post-hospitalisation care, and day-care treatment.
Benefits of No Medical Checkup Health Insurance
Here are some advantages of no medical checkup plans:
- Fast Policy Issuance: These policies get approved fast because no medical exam is required. You can get insurance in a matter of days, so it is perfect for any last-minute coverage or urgent needs.
- Minimal Paperwork: You don't need much paperwork since medical records and test reports are unnecessary. It makes it simple and easy to apply for everyone.
- Widely Accessible: Most age groups, from young adults to seniors, can apply for health insurance. People with busy lives or those who want to avoid medical exams can easily obtain this sort of plan.
- Less Stress and Anxiety: Eliminating exams eliminates anxiety for an applicant, as the consideration is straightforward and allows you to focus on coverage rather than tests and appointments.
- Flexible Coverage: These plans provide reasonable coverage even without any medical testing. Insurers will issue your policy based on basic health information, age, and lifestyle so that you can gain access to coverage quickly.
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Why Choose Digit Health Insurance?
What’s Covered in the Health Insurance Plans Offered by Digit?
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
This covers for all hospitalisation expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalisations, as long as the total expenses are up to your sum insured.
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .
Digit Special
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..
Health insurance covers medical expenses only for hospitalisations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.
Digit Special
Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!
We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.
There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.
Digit Special
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.
Get reimbursed for the expenses of road ambulance, in case you are hospitalised.
This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.
Other Features
The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.
This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 1-3 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.
Digit Special
Your organ donor gets covered in your policy. We also take care the pre and post hospitalisation expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.
Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalisation for this treatment is for cosmetic reasons.
If due to a trauma, a member has to be hospitalised for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.
Before, during & after hospitalisation, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
What’s Not Covered?
Pre-Natal & Post-Natal Expenses
Pre-natal and post-natal medical expenses are not covered unless they lead to hospitalisation.
PED Before Waiting Period
A claim for a pre-existing disease or illness cannot be made until the specified waiting period is over.
Hospitalisation without Doctor’s Recommendation
Hospitalisation for any condition that doesn’t match the doctor’s prescription is not covered.
Health Insurance Add-on Options with Digit
Enhance your health insurance policy with customisable add-ons at Digit. Here is the list of add-ons available that provide you with additional layers of protection beyond the basic coverage of your policy:
Consumable Cover
Pay 10% extra premium and we will also cover your non-medical expenses once your base claim is approved.
Pre-existing Disease/Specific Disease/Initial Waiting Period Modification
You can reduce your pre-existing disease waiting period to up to 2 years.
Network Hospital Discount
Opt for treatment at one of our network hospitals and receive a 10% discount on your premium with this add-on cover. However, a co-payment will be applicable if you get hospitalised in a non-network hospital.
Eligibility Criteria for Health Insurance Without a Medical Check-Up
Here are some common eligibility conditions for health insurance with no medical test plans:
- Usually available for healthy applicants between 18 and 45 years of age; older applicants may have to undergo a medical test.
- Applicants must be free of or have minimal prior health problems; serious health problems may require a test.
- Usually, the coverage limits are lower; the higher sum insured may require a medical check.
- Non-smokers, non-drinkers, or those with a normal BMI improve the chances of being accepted.
- Generally, group health insurance with an employer does not require a checkup for active employees.
Things To Consider When Purchasing Health Insurance With No Medical Checkup
If you are considering health insurance with no medical checkup, keep the following points in mind:
- Coverage Limits and Premiums: No-checkup plans may limit maximum sums insured and often have the same premium as standard plans.
- Age and Eligibility: These plans are primarily for persons aged 18 to 45; older applicants may face medicals or higher premiums.
- Pre-Existing Conditions and Waiting Periods: All current and past illnesses must be disclosed. The waiting period to claim for pre-existing conditions, specific procedures, or surgeries is often lengthy.
- Add-on Benefits: Ask if critical illness, maternity, or accidents are included or whether these services are additional benefits.
- Hospital Network and Claim Process: Check if nearby hospitals work cashlessly, and ensure claims are paid promptly.
- Early Purchase Advantage and Tax Benefits: If you buy early, premiums are inexpensive and imposed restrictions are limited. Also, check to see if you qualify for tax deductions.
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How to Buy a Health Insurance Plans with No Health Check-up?
Buying health insurance online is simple and hassle-free. If you're planning to purchase a policy from Digit, here’s a step-by-step guide to help you through the process:
Enter Basic Details
Visit the Digit app or website. Enter your PIN code and mobile number, select your preferred health insurance plan and provide age details, family members covered, etc.
Choose Plan & Add Member Details
Compare & select the plan, sum insured, add-on covers and apply any available discounts to get the final premium amount. Further provide the member details for everyone you’re covering.
Make Payment & Submit KYC
Once done, proceed to make the premium payment and submit your KYC documents to complete the purchase process.
Final Review & Processing
Now, your application undergoes a brief review process. Digit may request a health declaration, lifestyle information, or medical details & reports if required. Now, based on your medical underwriting, your policy will be issued and sent to your email. You can also access it anytime through the Digit app.
Is It Better To Take A Medical Test Anyway?
Yes. Taking a medical test can provide better protection in the long term at a lower premium. A test tells the insurer exactly the current status of your health. This may benefit you with higher coverage, lower premiums, and shorter waiting periods. No-test plans are convenient but limited in terms of coverage. Therefore, paying for a test in advance can save money and provide long-term protection.
Important Things to Know About Health Insurance
FAQs About Health Insurance Plans with No Health Check-up
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