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How Much Term Insurance Will I Get Without Medical Examination?

Published On Dec 01, 2021 10:00 AM By InsuranceDekho

Even if you are not present, term insurance plans ensure that your family has enough financial support to maintain a steady lifestyle. Term life insurance refers to policies that are acquired for a set length of time. These plans are reasonably priced and do not provide maturity benefits. If a policyholder wants to receive maturity benefits, he or she must choose Term Return of Premium (TROP) policies, which differ from typical term plans in a few ways. If a term life insurance policy is continued until the end of the policy term and the policyholder is alive, these TROP plans provide maturity/survival benefits by returning the total premiums paid. A term life insurance plan can be chosen for a specific period of time, such as 10, 15, 20, or 30 years, depending on your needs.

Term Insurance That Doesn't Require A Medical Exam

Certain life insurance firms provide term life plans that do not need you to take a medical exam when acquiring term life insurance. Many life insurance companies may not require you to have a medical examination according to your age and the quantity of coverage you require. When compared to a healthy person, an applicant with certain pre-existing medical difficulties and chronic disease is more likely to undergo medical examinations.

Purchasing Term Insurance without a Pre-Policy Medical Examination

As proof of insurability and good health, insurance companies may require potential policy purchasers to undergo a pre-policy medical examination. Insurance companies use this to ensure that the policyholder does not develop any life-threatening diseases or conditions, which could increase the insurer's risk.

It's crucial to note, however, that not everyone who wants to buy insurance will be requested to undergo a medical exam. Policy buyers in their 20s and 30s who live a healthy lifestyle and don't have any health issues are usually exempt from having to do a medical exam. If you want to buy term insurance without having to go through a pre-policy medical exam, you'll need to do your homework, compare different plans offered by insurance companies, and carefully read the policy booklet. 

Things To Keep In Mind While Buying  A Term Insurance Without A Medical Exam

Here are the things to think about when buying term insurance without having to take a medical exam:

While you may or may not be obliged to take a medical exam when obtaining insurance, it is critical that you do not withhold any information about your health. Even if you don't have to take a medical exam, insurance companies will need you to make a statement about your health when you purchase a policy.

As a result, make sure to reveal all facts about your health and any problems you may have, even if it means paying a higher premium, because withholding information could result in your nominee's claim being denied. Furthermore, if a medical examination is required, make sure to take it because it will ensure that the insurer is completely aware of your health circumstances when making an offer to you.


While choosing a term policy without a medical exam may appear to be more convenient, it does have some drawbacks when compared to its counterpart. Insurance companies choose policy prices based on risk perception, and a medical examination aids in risk perception. In most circumstances, insurance purchased following a medical examination will be less expensive.

Furthermore, a policy that does not require a medical examination may result in a higher number of claim denials due to undisclosed knowledge on the side of the insured. This is ruled out via a medical examination.Buying term insurance without a medical exam, on the other hand, is far more convenient and time-saving.

You may also like to read - How Is Life Insurance Premium Calculated?

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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