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Bajaj Allianz has me to pay for medicals prior enhancement of policy
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23 Aug, 2021
by Alistair
I have a Health insurance policy with Bajaj Allianz and they asked me to pay for my medicals check up without reimbursement option to enhance my Sum Insured.This is a first of its kind from an insurance company.
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Hi Alistair,
It is within the rights of your Insurer to conduct pre-policy medical checkup on you (even in case of Sum Insured enhancement). Such decisions are a functions of Insurer's underwriting policy, claims history, amount of additional Sum Insured proposed for, age of the Insured, medical declarations, etc. Bajaj Allianz's decision could also be a result of anxious times (due COVID) that we are living in.
Who pays for the medical test - Insured or Insurer is also the decision of your Insurer. Some Insurers pay for the pre-policy medical tests, some reimburse only the partial amount and some don't pay.
You should write to Bajaj Allianz and request for reimbursement of medical test expenses if you want. They may reconsider your request upon representation.
Regards
Asad