Looking for insurance policies? Consider ones that waive health check-ups

Those with pre-existing conditions should opt for ones that require medical screening

The pandemic has brought home a new-found realisation of risks to our lives. This has sparked demand for annuities, life and health insurance products, according to media reports. In keeping with these times, insurers are now offering products where you don’t have to step out of your house to undergo a medical check-up.

People are increasingly buying what has always been a push product. Says Melvin Joseph, founder of Finvin Financial Planners: “There has been a sea change in people’s mentality after Covid, with many looking to buy high-value term policies with a sum assured of Rs 1-2 crore.”

Earlier,