Pre-Policy Medicals
Underwriting, handled
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The specific tests
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Physical examination
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Blood and urine
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ECG
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What Our Plans Cover
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The specific tests the insurer req...
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Physical examination by a designat...
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Blood and urine analysis per the i...
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ECG
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Direct transmission of results to...
Who Can Consider This Plan?
- Open to adults; some panels have minimum age requirements
- Fasting requirements met, where the panel specifies them
- Certain tests require a doctor's referral
- Pregnancy should be disclosed, as some tests are contraindicated
- Existing conditions and medications should be declared before testing
What May Not Be Covered?
- Tests beyond those the insurer specifies
- Interpretation or consultation, unless separately arranged
- Treatment for anything the examination finds
- A copy of the report, unless you request it
- Any guarantee of policy acceptance
Always check the policy wording before you commit.
Why Choose Wealth & Covers?
- Expert advice to choose the right plan
- Plans from leading health services companies
- Hassle-free process and documentation
- End-to-end support, including claim assistance
- Dedicated relationship manager
- Expert Guidance Personalised advice from experienced health services professionals.
- End-to-End Support From choosing the right plan to claim assistance, we are with you always.
- Claims Assistance Hassle-free claim support to ensure you get what you deserve.
- Transparent Process Clear information, easy documentation and a hassle-free experience.
Overview
A pre-policy medical is the examination an insurer requires before issuing a health or life policy, generally above a threshold age or sum assured. The insurer specifies the tests, and results go directly to their underwriting team.
Many insurers fund it fully or partly when the policy is issued, so it frequently costs the applicant nothing. The process is usually arranged at a partner centre or at home, depending on the tests required.
Its purpose is underwriting, and understanding that is useful. The examination establishes what conditions existed at the outset — which protects you as much as the insurer, because a condition documented and accepted at proposal stage is one that cannot later be characterised as undisclosed.
Who should consider it
Anyone applying for health or life insurance above the insurer's threshold. Applicants above the age at which medicals become standard. Anyone with a declared condition, where the medical establishes the position clearly.
Benefits
- Frequently funded by the insurer on policy issuance
- Establishes a documented baseline of your health at proposal
- A declared condition accepted at this stage cannot later be called undisclosed
- Home collection available for many test panels
- Results go directly to underwriting, speeding issuance
- Sometimes detects conditions the applicant was unaware of
What is included, and what is not
Read the right-hand column first. It is the one that tends to surprise people later.
Included
- The specific tests the insurer requires
- Physical examination by a designated doctor
- Blood and urine analysis per the insurer's panel
- ECG, where the age or sum assured requires it
- Direct transmission of results to the insurer
Not included
- Tests beyond those the insurer specifies
- Interpretation or consultation, unless separately arranged
- Treatment for anything the examination finds
- A copy of the report, unless you request it
- Any guarantee of policy acceptance
Terms vary between providers and between plans from the same provider. The offer document you receive is what governs — we will walk you through it before you commit.
How it works with us
- 1 We match the panel to your age and history A check-up appropriate at thirty is different from one at fifty-five. Family history changes it again.
- 2 Slot booked at a centre near you Partner laboratories and hospitals across cities, with home collection where the panel allows it.
- 3 Preparation instructions sent in advance Fasting requirements and medication timing. Getting these wrong is the most common reason a test has to be repeated.
- 4 Sample collection and reporting Reports delivered digitally, usually within 24 to 48 hours depending on the panel.
- 5 Doctor consultation to interpret the results A report is data, not a diagnosis. Interpretation belongs with a qualified doctor, and we arrange that.
Important considerations
The things a brochure tends to leave out. Read these before you decide.
- Ask for a copy of your report. You are entitled to it, and it is useful both as a health baseline and as a record of what the insurer saw.
- Complete the examination honestly and disclose everything. A condition documented and accepted now is one that cannot be characterised as undisclosed at claim time.
- Follow the preparation instructions. A test that has to be repeated delays issuance, which matters if you are trying to get cover in place.
- If the examination finds something unexpected, see your own doctor about it. The insurer's panel doctor is assessing risk, not treating you.
- A loading or an exclusion following a medical is not a rejection. It is worth discussing the terms rather than abandoning the application.
Documents required
- Identity proof for registration at the centre
- Age proof, where the package is age-specific
- Previous test reports, where available for comparison
- List of current medications
- Insurance details, where the check-up is covered by a policy
- Doctor's prescription, where specific tests require one
Frequently Asked Questions
Do I have to pay for it?
Frequently not. Many insurers fund the pre-policy medical fully or partly when the policy is issued. Some deduct it if the application is withdrawn after testing, so it is worth confirming the arrangement before booking.
Can I see the results?
Yes, and you should ask for a copy. It is useful as a health baseline and as a record of exactly what the insurer saw, which matters if any question arises later about what was disclosed and accepted.
What if the medical finds something?
The insurer may apply a loading, add an exclusion, defer, or decline. None of those is automatic, and a loading or exclusion is not a rejection — it is worth discussing the terms rather than abandoning the application. Separately, see your own doctor about any finding.
Does the medical protect me as well as the insurer?
Yes, and this is worth understanding. A condition documented and accepted at proposal stage cannot later be characterised as undisclosed. The examination establishes the position clearly, which is a genuine protection at claim time.
What if I fail to prepare properly?
The test may have to be repeated, which delays issuance. Fasting requirements in particular affect blood sugar and lipid results directly, and getting them wrong is the most common cause of a repeat.
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