Written by Hannah Punitha, PG , Lyju Kuruvilla | 
Medically Reviewed by Dr. Sunil Shroff, MBBS, MS, FRCS (UK), D. Urol (Lond) on Nov 21, 2016

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.

Comments

vinode Thursday, January 24, 2013

apollo munich health insurance, india should not be trusted. they have duped and taken us, sr. citizen, for aride. they have refused to reimberse charges as promised by their medical centre and manager. only 5 medical tests were done on us but apollo munich health insurance has given us reports for 19 tests. where did they get reports for 14 tests when they were not done on us? do not trustapollo munich health insurance

vinode Thursday, January 24, 2013

apollo munich health insurance, india should not be trusted. they have duped and taken us, sr. citizen, for aride. they have refused to reimberse charges as promised by their medical centre and manager. only 5 medical tests were done on us but apollo munich health insurance has given us reports for 19 tests. where did they get reports for 14 tests when they were not done on us? do not trust apollo munich health insurance

kkat466 Thursday, February 2, 2012

new in india assurance in TIE UP WITH CITIBANK have a policy for their credit card holders called good health policy, there is a provision to apply for senior citizens [parents].I submitted all relevent documents after a confirmation from them they have declined the insurance ,-THEY DONT WANT OLD PEOPLE .they are lying now saying some excuse or the other how do we deal with such cheats,in this CITIBANK AND NEW INDIA ASSURANCE BOTH have to be blamed for cheating me.

chandaniel Saturday, January 7, 2012

I like the valuable info you provide in your articles about health insurance. I’ll bookmark your weblog and check again here frequently. I’m quite sure I’ll learn many new stuff right here! Best of luck for the next!

Indian_Citizen Saturday, October 29, 2011

The National Insurance company at Kolkata have dared to refuse to sell my parents the insurance, advising them that they should not waste their money on Insurance , rather save it and use it when they are sick....Can you believe this ???? And this is told by the Branch Manager... They have kept my father waiting for an entire day and at the end have told these words after offering him tea in his cabin. These thugs try to bypass the law by this method...Harassing Senior Citizens till they get frustrated.....

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