Mandatory Medical Tests or Pre-Screening for Health Insurance for Senior Citizens
Most companies insists on some pre-screening tests before they issue the policy. They normally will not cover pre-existing conditions and even if they do they will only pay a small fraction of the actual claim that is made. The companies smartly incorporate certain exclusions. Please do read them before making your commitment and buying a policy.
| National Insurance Co. Ltd. | New India Assurance Co. Ltd. |
| 1. Blood / Urine Sugar | 1. C.B.C |
| 2. Blood Pressure | 2. Blood Sugar (Fasting) |
| 3. Echo-cardiogram | 3. Blood Sugar (PPS) |
| 4. Eye Checkup including Retinoscopy | 4. SGPT |
| | 5. SGOT |
| | 6. Cholesterol |
| | 7. Triglycerides |
| | 8. Serum Creatinine |
| | 9. Urine Routine |
| | 10. ECG |
| | 11. X-Ray Chest PA View |
| | 12. Physical Clinical Check up |
| 13. Eye Check up for Cataract & Glaucoma |
| | 14. Pap Smear Test |
| | |
| Oriental Insurance Co. Ltd. | Star Health & Allied Insurance Company Ltd. |
| 1. Physical examination | 1. Stress Thallium Report |
| 2. Urine(Microalbumin urea) | 2. BP report |
| 3. Glycocylated Haemoglobin | 3. Sugar (Blood & Urine) |
| 3. Sugar (Blood & Urine) | 4. Blood urea & Creatinine |
| 5. X-ray both knees (antero-posterior and lateral) | Self-declaration or certification that surgeries related to Heart/ Brain/Cancer has / have not been done in the past. |
| 6. Complete eye test including fundus etc stress test (TMT) | |
| | |
| Bajaj Allianz General Insurance Company Pvt. Ltd. | |
| Details are mentioned in the policy documents. | |
Published on Sep 18, 2014
Last Updated on Nov 21, 2016
