Last week I had applied for a HDFC C2P policy, and today got e-mail that ‘your proposal got issued on 04-09-2012 and very shortly you will receive your policy document at your updated address’. There was no medical test, no verification. How can they process a policy of 1 Cr without medical tests? It gives me a nervous thought of claims getting rejected for sure on any of the medical ground.
I already took a policy from HDFC life after going through medical tests. But this was in Feb. 2012. In six months health status can change for a person. From the very starting I was asking about medical tests. If medical test cost is an issue, I am ready to pay for those tests. I understand the rule – ‘If you don’t hide anything, you’ve nothing to worry’, but 1 Cr policy without medical test – rings a bell.
Please suggest a way forward. Will I need to cancel this policy and re-apply? What if they issue without medical test again? What should I do? Will they be ready to do medical tests after issuance of the policy? Am I over-reacting? Shall I go to a diagnostic centre for routine-check-up and keep the records as proof of my health status on current date?