health survey
Also called: medical check up asuransi
A medical examination requested by the insurance company before issuing a policy.
What it means
A health survey or insurance medical check-up is a medical examination requested by the insurance company to assess the condition of a prospective participant. The examination may include a health interview, blood tests, electrocardiogram, or other tests depending on age, sum insured, and medical history. Not all insurance applications require a complete examination; generally, the larger the sum insured, the more detailed the examination. The cost of the survey is usually borne by the insurance company, not the prospective participant.
Why it matters for families
The survey results determine the policy terms and may lead to exclusions or additional premiums. Families need to set aside time and be honest about health history so the results are accurate. If the survey reveals an unknown condition, this is actually a good opportunity to seek early treatment.
Example
For example, a 40-year-old mother applies for life insurance with a sum insured of Rp500 million. Because the amount is quite large, the company requests blood tests and an electrocardiogram. The results are normal, so the policy is issued with a standard premium according to the age table.
Common misunderstanding
Some people think health surveys are always expensive and troublesome. The correction is that the cost is usually borne by the company and the procedure is simple, often just a single visit.