Health Insurance With No Medical Checkups: Everything You Need to Know

Explore health insurance options that don’t require medical checkups. Learn about eligibility, benefits, and the most suitable plans available.
Explore Plans
Check Health Insurance Plans
Get Quote
3 min
03-April-2025

Health insurance is essential for securing financial stability during medical emergencies. However, many policies require a pre-medical checkup, which can be time-consuming and may lead to increased premiums if health issues are detected. To address this, insurers offer health insurance without a medical test, making it easier for individuals to get coverage without undergoing health screenings.

These policies are ideal for young, healthy individuals and those looking for quick policy approval. They eliminate the need for extensive tests, reducing waiting periods and documentation requirements. Many leading insurers in India provide such plans with adequate coverage, tax benefits, and cashless hospitalisation options.

Understanding the benefits, eligibility criteria, and available plans can help individuals make an informed decision. This article provides a detailed overview of health insurance without medical checkups, ensuring you find the most suitable policy for your needs.

What is health insurance with no medical checkups

Health insurance without a medical test is a type of policy that provides coverage without requiring applicants to undergo pre-policy medical screening. It is designed for individuals who want hassle-free policy approval, making the process quicker and more convenient.

These plans are generally available for people within a specific age bracket, typically between 18 to 45 years. Since insurers assume lower health risks for younger individuals, they offer policies without requiring health checkups. However, for older individuals or those with pre-existing conditions, insurers may impose higher premiums or limit coverage.

The benefits of such policies include instant approval, minimal paperwork, and quicker claims processing. They often cover hospitalisation costs, pre-and post-hospitalisation expenses, and daycare procedures. Some insurers also include critical illness riders or accident coverage.

While these policies are convenient, it is crucial to compare different plans, read the terms carefully, and check for any waiting periods or exclusions before making a decision.

Pro Tip

A comprehensive health plan not only covers hospitalization but also pre & post-treatment expenses, ensuring complete financial protection against rising medical costs.

health-insurance-banner

Who can apply for health insurance without a medical test

Health insurance without medical checkups is primarily designed for individuals who are young, healthy, and free from pre-existing conditions. Insurers offer these plans based on age, lifestyle, and medical history, ensuring minimal risk.

Eligible Individuals

  • Young professionals: Individuals between 18 to 45 years are usually eligible for such policies as they are considered low-risk.
  • First-time policy buyers: Those purchasing their first health insurance plan can opt for these policies for easy approval.
  • Employees with corporate insurance: People already covered under a group health insurance policy may find these plans beneficial as an additional safety net.
  • Self-employed individuals: Freelancers and entrepreneurs seeking quick and hassle-free coverage can apply.

Exceptions and Restrictions

  • Individuals above 45 years may need to undergo a medical test before policy approval.
  • Those with pre-existing diseases (diabetes, hypertension, heart disease, etc.) may either face exclusions or higher premiums.
  • Some policies may impose a longer waiting period before covering certain illnesses.

Benefits of buying health insurance without a medical checkup

1. Hassle-free policy approval

These policies eliminate the need for pre-policy health screenings, making the application process faster and easier.

2. Quick and seamless documentation

Minimal paperwork is required, allowing for an easy online application process. Some insurers approve policies instantly.

3. No risk of increased premiums

Since no medical tests are conducted, individuals with minor undetected health issues do not face premium hikes.

4. Immediate financial security

Policyholders gain instant coverage against hospitalisation, surgeries, and other medical expenses without waiting for test results.

5. Suitable for young and healthy individuals

These plans are ideal for individuals under 45 years of age who do not have major health conditions.

6. Tax benefits under Section 80D

Premiums paid for health insurance policies qualify for tax deductions up to Rs. 50,000, depending on age and policy type.

While these policies offer convenience, buyers should carefully check policy terms, waiting periods, and exclusions before purchasing.

Most suitable health insurance plans that don’t require medical tests

1. Star Health Young Star Insurance

  • Age eligibility: 18 to 40 years
  • Sum insured: Up to Rs. 1 crore
  • Key benefits: No pre-medical checkup, cashless hospitalisation, outpatient benefits

2. HDFC ERGO Optima Restore

  • Age eligibility: Up to 50 years
  • Sum insured: Rs. 3 lakh to Rs. 50 lakh
  • Key benefits: No claim bonus, restoration benefit, worldwide emergency cover

3. ICICI Lombard Complete Health Insurance

  • Age eligibility: Up to 45 years
  • Sum insured: Rs. 3 lakh to Rs. 25 lakh
  • Key benefits: No pre-medical test, OPD cover, maternity benefits

4. Max Bupa Health Companion

  • Age eligibility: 18 to 65 years
  • Sum insured: Rs. 2 lakh to Rs. 1 crore
  • Key benefits: No medical test up to 45 years, day care treatments, annual health checkups

5. Aditya Birla Activ Health Enhanced

  • Age eligibility: 18 to 55 years
  • Sum insured: Rs. 2 lakh to Rs. 2 crore
  • Key benefits: Wellness rewards, chronic care management, hospital cash benefit

Choosing the right plan requires comparing premiums, coverage, waiting periods, and additional benefits offered by different insurers.

How to choose the right policy without a medical checkup

1. Compare different plans

Check multiple policies for coverage, exclusions, waiting periods, and additional benefits before making a decision.

2. Look for higher sum insured options

Select a plan that offers sufficient coverage to handle rising medical costs.

3. Check for pre-existing condition exclusions

Some policies may exclude or delay coverage for certain pre-existing illnesses. Ensure clarity before purchasing.

4. Evaluate premium affordability

Premiums should be affordable while providing maximum benefits. Higher coverage often comes with higher costs.

5. Opt for cashless hospitalisation

Choose an insurer with a wide network of hospitals for cashless treatment to reduce out-of-pocket expenses.

6. Review policy renewability

Ensure the plan offers lifetime renewability to avoid buying a new policy later.

By carefully analysing these factors, individuals can secure a cost-effective and comprehensive health insurance policy without medical tests.

Conclusion

Health insurance without medical checkups offers a quick and convenient way to get coverage, especially for young and healthy individuals. It eliminates long medical screenings, ensuring faster policy approvals and reducing stress.

Many leading insurers in India provide customised policies that do not require medical tests, covering hospitalisation, surgeries, and additional health benefits. However, buyers must carefully check policy terms, exclusions, and renewal options before choosing a plan.

Investing in health insurance is crucial for financial security and long-term well-being. Selecting the right policy ensures comprehensive medical protection while enjoying tax benefits under Section 80D of the Income Tax Act.

For those seeking a convenient and reliable way to explore health insurance plans, consider Bajaj Finance Insurance Mall. We partner with numerous insurers, providing a diverse selection of health plans to cater to varying needs and budgets. Our online platform allows you to effortlessly compare policies, and select the ideal plan to safeguard your health and finances. With Bajaj Finserv, securing the right health insurance coverage is a hassle-free and informed decision.

Frequently asked questions

What is the difference between BMR and RMR?
BMR (Basal Metabolic Rate) measures the calories needed at complete rest after fasting, reflecting the body's essential functions. RMR (Resting Metabolic Rate) estimates calories burned at rest, including digestion, often under less strict conditions.

Which is more accurate, BMR or RMR?
BMR is generally considered more accurate because it is measured under stricter conditions, including complete fasting and restful state. RMR is more practical for everyday assessments but can include minor influences from recent activities.

Can BMR and RMR change over time?
Yes, both BMR and RMR can change due to factors like aging, weight fluctuations, muscle mass changes, and shifts in activity levels. Regular monitoring helps adjust dietary and exercise plans accordingly.

Why is it important to know my BMR and RMR?
Knowing your BMR and RMR helps tailor your caloric intake and expenditure for effective weight management. It provides insights into your metabolic rate, allowing for more precise adjustments to your diet and fitness routines.

Show More Show Less

Bajaj Finserv App for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.

  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements, and even get quick customer support—all on the app.
Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Life Insurance Corporation of India (LIC), Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Company Limited, HDFC ERGO General Insurance Company, TATA AIG General Insurance Company Limited, ICICI Lombard General Insurance Company Limited, New India Assurance Limited, Chola MS General Insurance Company Limited, Zurich Kotak General Insurance Co. Limited , Star Health & Allied Insurance Co. Limited, Care Health Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.



Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

Disclaimer: *T&C Apply. #Insurance premium indicated is for healthy male aged 18 years and is exclusive of tax.
Show All Text