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Are Medical Tests Required Before Purchasing Term Life Insurance?

Published On Jul 29, 2021 10:00 AM By InsuranceDekho

A term insurance policy is purchased to protect a family in the case of an emergency financially. Hence, having the best coverage plan built according to your specific demands and future objectives is crucial. A medical examination is used to establish your medical state, influencing the plan's terms and conditions. The necessity of term insurance medical exams in designing the right plan is further explained in the following article.

What Happens in a Medical Examination?

Your medical examination is based on several factors, including your age (35 years or older), the type of insurance policy you want to buy, and the amount of coverage you want (Rs. 10 Lakh or above). However, regardless of your age or sum assured, you must get a medical checkup if you have hereditary conditions, a pre-existing sickness, or a family history of health problems. The primary checkup includes calculating your BMI based on weight and height and some basic tests for cholesterol, urine test, complete blood counts, differential counts, fasting plasma glucose, and HIV I and II.

Why Is A Medical Test Important Before Purchasing a Term Insurance Policy?

Here are some reasons why a medical examination is necessary when acquiring a term insurance policy.

1. Sum Assured

The sum assured is the amount received by a nominee if the life assured dies before the policy is completed. Because of the little danger involved, a healthy life assured might hope to obtain a more significant sum assured after the medical test. Therefore, it is recommended to have a term insurance medical examination, as plans that do not require any medical tests sometimes provide a low sum assured, which may be insufficient in achieving your goals.

2. Coverage

As the insurance provider would seek to pay for the risks involved with the life assured's unrevealed medical issues, a term insurance plan without a medical assessment may provide reduced coverage. Thus, it is recommended to purchase a term insurance policy that includes a medical exam to obtain better and more accurate coverage tailored to your specific needs and desires.

3. Premium

A medical examination assists in determining the appropriate amount of payable policy premium, which is computed using a risk assessment of the life assured's health. A fit and a healthy person might be expected to pay a lower premium. A pre-existing medical condition, on the other hand, is likely to raise the premium due to the significant risk associated.

4. Claim Rejection

If you have a pre-existing ailment connected to your heart, blood pressure, diabetes, or asthma, it's advisable to avoid buying term insurance without first getting a medical exam. In this instance, if the life assured passes away before the policy expires, the insurance provider may deny the beneficiary's claim request, claiming that the life assured purposefully concealed the true health condition. So, to avoid such a nightmare, it is wise to have a thorough medical evaluation.


The importance of a term insurance policy with a medical examination may be seen in the many benefits mentioned above about the increased coverage, reasonable premium rates, enough sum assured, and a low chance of claim denial. You can also speak with a financial counsellor or an insurance representative to learn more about the specific benefits of your customised term insurance policy with a medical condition. 

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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