HDFC Life Launches 'Cardiac Risk Assessment test at Home' with Uber Diagnostics

HDFC Life, a long term life insurance provider, has launched a service named 'Cardiac Risk Assessment at Home’ that will enable customer to get tested at home. Traditionally, some applicants were required to undergo medicals test by visiting health centres (empanelled with the life insurer), based on their health conditions, including a stress test to evaluate cardiac health. Some test like blood test, ECG, etc. can be done at home. This requirement often causes a delay in the issuance of policies by the life insurance company. 

HDFC Life in partnership of Cardiotrack, which is known as Uber Diangnostic, has come up with the plan of this unique test. The test will help customers to get tested at home without leaving their comfort zone. The process is very simple in which, after an appointment is booked, a representative will visit user’s home along with the equipment set. The equipment consists of portable stepper (with speed and resistance adjustments) and Cardiotrack’s portable ECG equipment. The representative will connect the prospective policyholder with a physician via a live video call and the readings would be recorded in real time as the test is being conducted.  

Speaking on this launch Vibha Padalkar, Managing Director and Chief Executive Officer of HDFC Life said, “It is our endeavour to provide innovative service facilities coupled with accurate risk assessment to both our prospective and existing policyholders at every stage of their life insurance journey. Based on the findings and the recommendations from our team of seasoned medical experts & underwriters, we have partnered with Cardiotrack to offer a new facility that we believe will redefine customer experience during the pre-policy medical examination stage. We are happy to share that this has also been evaluated and approved by our reinsurance partners. The on-boarding experience at the application stage can be a deciding factor for customers in terms of choosing a life insurer. We have started our ‘Quest for Innovating Medical Risk Assessment’ and this innovation is a part of the initial phase of our journey.” 

Avin Agarwal Co-founder and CEO, Cardiotrack, said, “Cardiotrack in collaboration with HDFC Life, is very excited to launch a new initiative to make cardiac risk assessment available at home for applicants who are required to undergo medicals. This service is currently available in Mumbai and Bengaluru. It will ease the process of medicals by assessing cardiac risk through stress test, at the applicant’s home or office. We believe this is a big step towards simplifying the life insurance purchasing process.”