Points to be noted
Medical tests while buying: Medical check up before buying mediclaim is required beyond a certain age and coverage. The medical tests are waived for people below the 45 years and requiring lower coverage amount. However, it is good to have a medical tests to know health problems (if any) else the insurer can get it done and determine it as pre existing. During the claims it should not be a problem for the policy holder.Types of Medical tests: Some of the medical tests that are asked by insurance companies in India are complete blood count, fasting blood sugar, ESR, ECG, SGPT... Physicians are doctors are authorized to conduct medical tests. Usually the cost of medical tests is shared by the applicant and the insurance companies.
Coverage and special feature: The mediclaim insurance industry is competitive and every company is launching new product or upgrading their existing plans with new features or coverage. There are few mediclaim insurance plans that offer comprehensive coverage and others could call it an add on feature.
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