<p class="western" style="text-align: justify;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Medical check-up before you buy policy makes you feel meh. More so, if you have any pre-existing disease, then you would do anything to avoid a health check-up because of all sort of negative thoughts around it. Hey but don’t you know the best way to deal with any fear is to understand it and overcome it? Don’t worry we will help you with it.</span></span></p>
<p class="western" style="text-align: justify;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Once you pass the senior citizen age bracket, health check-ups are integral part before you buy a policy. Here are some things related to health insurance that you ought to know.</span></span></p>
<p class="western" style="text-align: justify;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>Why is it Important?</b></span></span></p>
<p class="western" style="text-align: justify;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Pre-policy health check-ups are important because,</span></span></p>
<ul style="text-align: justify;">
<li><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">It updates you on your health condition and also helps insurance companies decide on </span></span><span style="color: #0563c1;"><u><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">the best senior citizen health insurance plan</span></span></u></span><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"> for you. Hence, </span></span></li>
<li><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">rather than looking at it as a burden which may increase your premium, you can look at it as indicator of your current health status.</span></span></li>
<li><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">It would help you know of any new health aliment that you are at risk and you can work for precautions.</span></span></li>
<li><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Knowledge of all health conditions helps not only the insurance company but also you in deciding the right sum to be insured. </span></span></li>
<li><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">You certainly don’t want to get insured for a lesser sum (in order to be able to pay a lesser premium) and then fall sick because of a health condition you were unaware of. You may, in fact, end up paying more as your insurance will fail to cover the treatment expenditure.</span></span></li>
</ul>
<p class="western" style="text-align: justify;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"><b>What Happens When You Don’t Get The Pre-Policy Check Up?</b></span></span></p>
<ul style="text-align: justify;">
<li><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Your insurance company will ask you to sign a declaration stating that you do not suffer from any pre-existing disease. There is also usually a waiting period of two years for pre-existing diseases. </span></span></li>
<li><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Hiding a pre-existing disease from your insurance company is an offence, punishable by law</span></span></li>
<li><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">Also, your claim is likely to be rejected, if your insurer finds out that you lied about your pre-existing disease. </span></span></li>
<li><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">You should be ready to pay a higher premium if you decide not to get the pre-policy check up done. This is because the insurance companies need to safeguard themselves against higher claims risks.</span></span></li>
</ul>
<p class="western" style="text-align: justify;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">So as you can see, you may end up paying a higher premium if you don’t get the pre-policy check up done. You never know, the </span></span><span style="color: #0563c1;"><u><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">pre-policy check up</span></span></u></span><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;"> may actually reveal that you do not suffer from any diseases and you can enjoy a low premium. And even if the results show that you are suffering from certain diseases, you will be able to get yourself insured at a better value.</span></span></p>
<p class="western" style="text-align: justify;"><span style="font-family: Arial, sans-serif;"><span style="font-size: medium;">So, don’t escape that pre-policy check up; especially if you are a senior citizen!</span></span></p>

Pre-Policy Medical Check Up For Senior Citizens
