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Do I Need to Give a Medical Test for Term Insurance in India?

Term insurance without a medical test refers to a type of life insurance policy that does not require the policyholder to undergo a medical examination before being approved for coverage.

  • Aug 27, 2021

Over the years, the insurance industry has evolved significantly. Today, insurers offer a variety of term plans with innovative features and benefits to cater to the different needs of the people. And while it is easy to purchase a policy online, you must know that each insurance company has its unique eligibility requirement.

    Key takeaways

  • Term insurance is a type of life insurance that provides coverage for a specified period of time.
  • Term insurance without medical tests is an attractive option for many people who want to secure their future without going through the hassle of medical tests.
  • Before you begin your search for a term insurance policy without a medical test, it is essential to assess your needs.

What is Term Insurance?

Term insurance offers protection for a predetermined amount of time, typically between one and thirty years. Unlike permanent life insurance policies, such as whole life or universal life insurance, term insurance does not accumulate cash value and is designed to provide financial protection to your beneficiaries in the event of your unexpected death during the policy term.

As a policy buyer, you may ask an important question – Do I need to give a medical exam for a term plan in India? When you compare the policies from different insurers, you may find that some insurance companies mandate the policy buyers to undergo a medical test. This is especially true for older buyers. In comparison, some insurers offer coverage without a medical examination.

Medical Examination For Term Plans

Many reputed insurance companies require term plan buyers to undertake a medical test. However, it is not a mandatory requirement. The insurers insist on medical tests, especially for older people, to clearly understand the buyer’s overall health condition and decide the premium accordingly.

If your family has a history of any medical condition like Tuberculosis, Cancer, or any other chronic illness, or if you have any pre-existing condition at the time of buying the policy, the insurer will levy a higher premium. The insurer will also conduct a complete medical test to assess the risk they must cover by offering you a term policy.

If you feel uncomfortable undergoing the medical exam, you can still buy a term plan, as many companies offer term cover without a medical test. It is easier to get coverage without undergoing the test if you are young and aged less than 30. This is because insurers believe that youngsters are at a lesser risk of suffering from any life-threatening diseases. Consequently, they offer a policy with high coverage at an affordable premium.

Risks associated with term insurance without medical tests

Term insurance without medical tests is an attractive option for many people who want to secure their future without going through the hassle of medical tests. However, this option comes with a set of risks that people need to be aware of before making the decision to buy this type of insurance.

The first and most obvious risk is that the insurance company is taking a chance on the health of the policyholder. Without medical tests, the insurer is making an assumption about the health of the applicant. This can result in an inaccurate assessment of the risk that the insurer is taking on. As a result, the premiums may be higher than they would be if the insurer had access to the results of a medical exam.

Another risk associated with term insurance without medical tests is that the policy may not be comprehensive enough to meet the policyholder’s needs. Without a medical exam, the insurer may not be aware of certain medical conditions that the policyholder may have. As a result, the policy may not cover these conditions or may only cover them to a limited extent.

Furthermore, there is a risk that the policyholder may not be honest about their medical history when applying for insurance. Without medical tests, there is no way for the insurer to verify the accuracy of the information provided by the policyholder. This can result in a policy that is not suitable for the policyholder’s needs or that may be canceled due to non-disclosure of medical conditions.

Lastly, there is a risk that the policy may not be renewed or may be canceled due to non-payment of premiums. Term insurance without medical tests is often sold as a no-exam policy, but it still requires payment of premiums. Failure to pay premiums can result in the policy being canceled, leaving the policyholder without coverage.

How to choose the right term insurance policy without a medical test?

Term insurance policies have gained immense popularity over the years due to their simple and affordable nature. These policies offer a lump sum amount to the nominee in case of the policyholder’s untimely death. However, many people are apprehensive about purchasing term insurance policies as they require medical tests, which can be time-consuming and inconvenient. Fortunately, there are several term insurance policies available that do not require medical tests. Here is the process of choosing the right term insurance without a medical test policy.

Assess Your Needs

Before you begin your search for a term insurance policy without a medical test, it is essential to assess your needs. Determine the amount of coverage you require and the duration of the policy. Consider your age, income, and existing debts while calculating the coverage amount. Ensure that the coverage amount is sufficient to meet your family’s needs in your absence.

Compare Policies

Once you have assessed your needs, it is time to compare the available policies. Several insurance providers offer term insurance policies without medical tests. However, the premium amount and coverage offered may vary from one policy to another. Compare the premiums, coverage amounts, and other benefits offered by different policies before making a decision.

Look for Add-Ons

Many insurance providers offer additional benefits with their term insurance policies. Look for policies that offer riders such as accidental death benefits, critical illness coverage, and disability benefits. These riders can provide additional financial security to your family in case of unforeseen events.

Check the Claim Settlement Ratio

Before finalizing a policy, check the insurance provider’s claim settlement ratio. The claim settlement ratio is the percentage of claims settled by the insurer against the total number of claims received. A high claim settlement ratio indicates that the insurer has a good track record of settling claims. Choose a policy from an insurer with a high claim settlement ratio to ensure that your family’s claim is settled in a timely manner.

Read the Policy Documents Carefully

Once you have chosen a policy, read the policy documents carefully. Understand the terms and conditions of the policy and ensure that you are aware of the exclusions and limitations. Clear any doubts with the insurer before signing the policy documents.

Final Word

In conclusion, term insurance without medical tests is a convenient option for those who are unable or unwilling to undergo medical examinations for various reasons. It provides coverage for a specified period and offers financial protection to the policyholder’s beneficiaries in the event of the policyholder’s untimely death.

While it may come with higher premiums, it can be a suitable option for individuals who have pre-existing medical conditions or lead high-risk lifestyles. It is essential to research and compares policies from different insurers before making a final decision.

Overall, term insurance without medical tests is a viable option for those seeking easy and accessible life insurance coverage.

Kotak e-Term

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Ref. No. KLI/22-23/E-BB/2435


- A Consumer Education Initiative series by Kotak Life

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