Pre-Insurance Health Assessment
Pre-insurance health assessment is a medical evaluation conducted to determine an individual’s health status before issuing a health or life insurance policy. These assessments help insurers evaluate the risk of insuring the applicant and determine appropriate premiums, coverage limits, or exclusions.
Key Components
Medical History Review
Assessment of the individual’s past and current medical conditions, surgeries, or chronic diseases.
Lifestyle Assessment
Questions about smoking, alcohol consumption, and other lifestyle habits that may affect health risks.
Physical Examination
A basic check-up to measure vital signs like blood pressure, weight, and heart rate.
Special Tests (if required)
Based on age or declared conditions, insurers may request additional evaluations like ECGs or stress tests.
Laboratory Tests
Tests like blood sugar, cholesterol, and liver function may be included to assess overall health.
Purpose
To ensure transparency between the insurer and insured.
To prevent fraudulent claims or non-disclosure of critical health information.
To set accurate premiums and determine eligibility for certain coverage types.
Pre-insurance health assessments are common for policies like term insurance, health insurance, and critical illness plans.
Our Pre-Insurance Health Assessment program is designed to cover the pre-policy issuance of medical tests required by insurance companies.
Earlier, this part of buying an insurance policy was one of the most cumbersome. Depending on which policy you want, it involves a whole list of medical tests that have to be completed in certain recommended formats and submitted for review. Sometimes, follow-up tests would be assigned if the process was not conclusive.
It is quite a labour-intensive process, but it can be optimised considerably by careful use of technology.
The combination of the robust network of branches located all over the country, and the cutting-edge technology to reduce contamination and speed up the process, is a winning one. It translates to a faster turn- around time (TAT) and faster processing of insurance policies. We use verified diagnostic centres to carry out its operations.
Let’s throw in some numbers to add volume to these statements.
The organization manages a vast network of over 3,000 active medical centers across 700+ cities in India. It collaborates with more than 150 doctors and operates through 10 physical branches nationwide.
The organization is perfectly equipped to address the unique needs of insurance companies.
This is an ongoing effort, as the company continuously refines its services through meticulous feedback analysis. By leveraging both internal and external inputs, it consistently reinvents and enhances its internal processes to maintain a competitive edge.
Why Choose Us?
As a consultancy firm with expertise in both local and international markets, we provide comprehensive company registration and establishment services tailored to each client’s unique needs. Whether it’s navigating India’s regulatory landscape or setting up operations abroad, our team ensures that the process is smooth, compliant, and strategically aligned with business goals. From startups to multinational corporations, we help clients lay a strong foundation for their success.
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At Tejas Consulting, we combine the expertise of MBA and engineering professionals to provide innovative, end-to-end solutions for businesses across industries. From startups to global enterprises, we empower organizations to achieve growth, efficiency, and long-term success.
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Supporting growth from startups to global enterprises.
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Combining technical and business for faster results.
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