No-Medical-Test Policies Explained: Is Bajaj Allianz’s Offer Worth It?
When considering health insurance, one common concern is undergoing medical tests before policy approval. For many, especially older adults or those with pre-existing conditions, these tests can be stressful, expensive, or even a deal-breaker.
But what if you could buy a reliable health insurance policy without any medical examination?
Bajaj Allianz Health Insurance, available on Quickinsure, offers no-medical-test health insurance plans for eligible individuals. This article breaks down how these plans work, who can benefit, and whether they’re really worth considering for your health and peace of mind.
What is a No-Medical-Test Health Insurance Policy?
A no-medical test policy allows individuals to purchase health insurance coverage without undergoing pre-policy medical check-ups. Typically, such plans are issued based on age, self-declared health history, and proposal for reproducing delays and simplifying the onboarding process.
Bajaj Allianz offers several such options, especially for younger and healthy individuals or those within a certain age range.
Why Do Insurers Usually Require Medical Tests?
Health insurers conduct medical exams to:
Evaluate risk associated with covering a person
Identify pre-existing conditions
Reduce the chance of claim rejections
Set appropriate premium rates
But these tests often delay the buying process and add extra stress for potential policyholders.
That’s where no-test policies provide a smoother alternative.
Key Features of Bajaj Allianz’s No-Medical-Test Health Plans
With Bajaj Allianz health insurance via Quickinsure, you get:
No medical tests up to 45 or 55 years (plan-dependent)
Coverage up to ₹10 lakhs without tests
Simple self-declaration of existing illnesses
Quick issuance —faster approval and documentation
Multiple plan options : Health Guard, Health Care Supreme, Extra Care Plus
Pros of Bajaj Allianz No-Test Policies
Here’s why these plans are becoming popular:
1. Time-Saving
Avoid long waiting times for doctor appointments and test reports. Policy is often approved within 24–48 hours.
2. Hassle-Free
No visits to diagnostic labs or physical check-ups—ideal for those in rural areas or with mobility challenges.
3. Easy Online Purchase
With Quickinsure , the buying journey is entirely online, including comparison, purchase, and document uploads.
4. Best for Young & Healthy Individuals
If you're under 45 and don’t have any major health issues, this is a great low-effort way to get covered.
5. Immediate Coverage
Once the premium is paid and form is verified, coverage can start almost immediately.
Things to Watch Out For
While no-medical-test policies sound attractive, it’s important to be informed.
1. Claim Rejection Risk if You Hide Details
Be honest in your health declaration. If you hide a disease and a claim arises, Bajaj Allianz can reject the claim due to non-disclosure .
2. Higher Premium in Some Cases
Plans without medical tests may sometimes carry slightly higher premiums due to perceived higher risk.
3. Limited Sum Insured
Some plans may cap the sum insured for no-test applicants (e.g., ₹5–10 lakhs). For higher coverage, tests may still be needed.
4. Waiting Period for Pre-existing Diseases
Even though tests are waived, waiting periods still apply for pre-existing conditions—usually 2 to 4 years.
Real-Life Scenario: Is It Worth It?
Let’s say you're a 35-year-old salaried professional looking for a ₹5 lakh cover for yourself and your spouse.
You’re in good health.
You don’t want to spend time at clinics or labs.
You want quick coverage.
In this case, a no-test policy from Bajaj Allianz through Quickinsure would be ideal:
✔ You skip the hassle
✔ You get insured in 1 day
✔ Premiums remain affordable
✔ You’re covered for hospitalization, day care, and more
But if you’re 55+, have diabetes, and are looking for ₹20 lakh coverage—then a tested policy may be better for long-term claim reliability.
Expert Tips Before Buying
Here’s how to make an informed decision:
Always declare health conditions honestly
Read the policy brochure for waiting periods and inclusions
Compare premium vs benefits using Quickinsure’s calculator
Look at add-ons like critical illness or OPD coverage
Use Quickinsure’s support team to clarify terms before buying
Plans from Bajaj Allianz with No-Test Options
Why Buy from Quickinsure?
Quickinsure simplifies insurance shopping by:
Offering instant quotes from top insurers
Enabling online policy comparison
Providing personalized assistance on WhatsApp or call
Allowing easy renewals and claims tracking
Plus, their support team helps you understand fine print, especially around no-medical-test policies and health declarations.
Final Verdict: Is It Worth It?
Yes—if you meet the criteria.
A no-medical-test policy from Bajaj Allianz is absolutely worth it if:
You are below 45–50 years
You have no chronic conditions
You want quick and easy insurance
But always:
Disclose your health status truthfully
Understand the coverage limits
Buy from trusted platforms like Quickinsure
Ready to skip the tests and get covered fast?
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