Do I need to undergo a medical check-up while buying a health insurance policy?

Do I need to undergo a medical check-up while buying a health insurance policy?
 
You may be required to undergo a medical check-up after you buy, incase any member to be insured is above 45 age or for  sum insured 15 Lakhs or above. In most of the cases, the medical tests are done in your home, after taking appointment from you. No payment is required upfront for the same. Incase the policy is issued, you will not be charged anything. However, if the policy is declined/Canceled, medical charges will be deducted from the refundable premium amount. This will enable us a better understanding of your current and future health requirements. For further details, please refer to the prospectus or call 1800-200-4488 (Toll free).
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