My father is 51 (has diabetes and hypertension) and my mother is 42 (she has her thyroid glands removed; she has to take pills daily). Can they get health insurance at this age and with these preconditions? If yes, do they have to undergo medical tests before they are offered insurance?
Ans: Yes, they can get insurance at this age. They will need to undergo a pre-policy medical test as these are mandatory for most insurance companies and help the insurance company to make decisions on appropriate cover for the insured or denial of the same. These tests play a pivotal role during the claims process.
A claim can get rejected if the insurance company discovers that the illness was caused due to a pre-existing medical condition that was not disclosed by the policyholder. So, it is advisable to disclose all pre-existing illnesses and to go for such pre-medical test as it makes it easier for both the insurance company and policyholder at the time of the claim.
