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Term Insurance Without A Medical Test

Updated On Jun 21, 2021

There are various insurance companies in India which offer term life insurance without a medical check-up plan. Eventually, it depends upon the individual's age and the cover you are looking forward to, which decides whether you need to undergo a medical screening or not. However, it is to be noted, that in case you have any pre-existing ailment or any sort of chronic ailment possibly you would need to undergo a medical screening without a fail. 

Below is a list of a few term insurance plans that you can purchase without a medical test. 

Term Insurance Plans Without A Medical Test

Listed below are some of the term plans that you might want to purchase without any medical tests: 

1. Future Generali Smart Life

It is one of its kind wherein the nominee ideally receives the sum assured when the insured passes away during the policy tenure. Upto an age of 45 or so and upto a specified sum assured, any medical screening is not required.

2. MetLife Term Insurance Plan

Under the MetLife Term Insurance Plan The applicants within certain plans upto a certain limit one need not go through any sort of medical screening. 

3. ICICI Pru iCare Term Plan

It precedes with a pocket friendly term premium. Besides, you have the alternatives of both single pay as well as regular pay. The ICICI Pru iCare Term Plan does not require any medical test. 

4. LIC Tech Term Plan

You can benefit from the LIC Tech Term Plan wherein you do not need to undergo any medical check up subject to meeting the specified conditions in the policy document. 

5. HDFC Click 2 Protect Plus Plan

It gives a major advantage wherein you can enhance the protection of the plan under certain specified milestones like a marriage, or a child birth, etc. And without undergoing any medical test to enhance the coverage. 


It is advisable when you buy a term insurance plan without a medical test, invest time to do the research, and compare different term insurance offered by various insurance providers. Also, you should read the fine print of the policy before making the final decision specifically when you are buying term life insurance without any medical test. 

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