Health Insurance for Senior Citizens in India – General Guidelines - Mandatory Medical Tests or Pre-Screening for Health Insurance for Senior Citizens

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.