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Why You Should Not Avoid A Medical Test Before Buying A Term Plan?

Updated On Oct 11, 2021

A term plan is the simplest form of life cover that helps you sail through the hardships of an unfortunate event without much difficulty. Term insurance benefits include coverage for a specific period of time and offers your loved ones much needed financial security in your absence.

Apart from cover against unfortunate circumstances, there are several reasons why a term plan policy makes for an important part of your financial plan. New-age term policies offer comprehensive cover for comparatively lower prices and come with flexible payment options. They also offer customizable options in the form of riders that act as supplementary coverage.

Given the need and benefits of having a financial cover, getting yourself insured under a term policy is imperative. You can get term insurance online, as well as offline. In both cases, you will need to undergo certain steps to get yourself insured, including a medical checkup.

Let’s look at the process and importance of medical tests in insurance.

Importance Of A Medical Test For Term Insurance

As mentioned before, it is advisable to undergo a complete body health check-up when buying a life term plan. Insurance plans are not a one-size-fits-all type of product. Instead, the policy is meant to accommodate your unique requirements of health, potential risks, and budget. Medical tests can provide the insurer details that allow them to create a policy that is tailored to your requirements perfectly. In addition to this, here are some other reasons to get a medical test for term insurance:

1. Determining Premiums

The amount of premium you pay for a term plan depends on a variety of factors, including potential health risks. Your health condition enables insurers to decide the amount of premium to be paid. If you are physically fit and healthy, you might have to pay low premiums. On the other hand, you might have to pay a high premium if you have an existing medical condition.

2. Deciding The Coverage

The amount that is paid to the nominee in case of the demise of the insured is also dependent on a variety of factors, including your health. If you are physically healthy, the insurance company will not hesitate to provide you with a high cover or sum assured. Any life term plan that requires no medical tests usually has a low sum assured, which might not suit your requirements.

3. Risk Of Claim Rejection

If you think that not undergoing a medical test will get you a good deal, then you might have to think twice. There are high chances of your claim being rejected by the insurer in case of death due to a pre-existing health condition. Hence, it is best to get a medical check-up to secure your loved ones’ future and avoid hassles later.

Types Of Medical Test For Term Insurance And When They Are Done

Depending on your unique case, you will be required to undergo certain health checkups when buying a term policy. Typically, you are required to undergo a full-body medical test for term insurance. This routine health assessment basically comprises of:

  • Height and weight
  • Body mass index
  • Urine test
  • Checking your CBC or haemoglobin levels
  • Blood pressure levels
  • Blood sugar level
  • Lipid profile
  • Electrocardiogram

Based on your age, you might be required to take additional medical examinations, including cholesterol tests, hormonal check-ups, HIV tests, treadmill tests, etc. The same applies in the case of a history of any illness or disease.


Typically, the insurer will guide you with the types of checkups you need to undergo, depending on the details given on your application form, including your age, health history, and the required cover. Medical tests might be mandatory in cases where your age is above 35 and/or you have a medical history of certain serious illnesses.

You may also like to read - Do You Need A Whole Life Plan Or Is Term Life Cover Enough?

How To Check Your Life Insurance Policy Status?

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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