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Term Insurance Without Medical Test in India 2024

In 2024, term insurance without a medical test will become increasingly accessible in India, offering hassle-free coverage for individuals seeking financial protection without extensive health assessments.

  • 9,240 Views | Updated on: Jun 18, 2024

Term insurance is a type of life insurance that provides coverage for a specified time. In the event of the insured’s demise during the term, the beneficiary receives the sum assured as a death benefit. This financial protection is a crucial safety net for the insured’s family, ensuring their financial well-being even without the primary breadwinner.

The conventional term insurance application process involves various steps, including filling out forms, undergoing medical examinations, and providing extensive documentation. While these measures are essential for assessing risk and determining premiums, they can be time-consuming and cumbersome for applicants, often leading to delays in policy issuance.

Can I Buy Term Insurance Plan Without Medical Tests?

You can get term insurance without having to do any medical tests. Many insurance companies offer this option. However, there is a catch: usually, these plans have a maximum coverage limit of less than ₹1 Crore.

When offering a term insurance plan without medical tests, insurance companies consider your lifestyle, age, and family’s medical history.

If you are older or your family has a history of serious illnesses, you might not get a high coverage amount with these plans. It is because as you get older, health problems are more likely to happen, and family medical history can show if you are at risk for certain illnesses. So, insurers use this info to decide how much coverage you can get.

Benefits of Term Insurance Plan Without Medical Test

While traditional term insurance policies often require applicants to undergo medical tests as part of the underwriting process, there is a growing trend toward offering term insurance without such tests. Here, explore the benefits of opting for a term insurance plan without medical tests:

Death Benefit

The primary benefit of term insurance, whether with or without medical tests, is its death benefit. In the unfortunate event of the policyholder’s demise during the policy’s term, the designated beneficiaries receive a lump sum payment from the insurance company.

Maturity & Survival Benefit

Some term insurance policies without medical tests also offer maturity or survival benefits. Unlike traditional term insurance policies, where the death benefit is the only payout, some no-medical-exam term insurance plans provide a maturity benefit if the policyholder survives the entire term. This means that if the policyholder outlives the coverage term, they receive a lump sum payout from the insurance company.

Tax Benefit

Term insurance policies, including those without medical tests, offer tax benefits to policyholders. The premiums paid towards the policy are eligible for tax deductions under Section 80C of the Income Tax Act, up to a specified limit.

Additional Rider Benefits

Another advantage of opting for a term insurance plan without medical tests is the availability of additional rider benefits. Riders are optional add-ons to the base policy that provide supplementary coverage for specific risks or circumstances. Common riders available with term insurance policies include critical illness riders, accidental death benefit riders, waiver of premium riders, and more.

How to Choose the Right Term Insurance Policy Without a Medical Test?

Many people are apprehensive about purchasing term insurance policies as they require medical tests, which can be time-consuming and inconvenient. Fortunately, several term insurance policies are available that do not require medical tests. Here is the process of choosing the right term insurance without a medical test policy.

Understand 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 debts while calculating the coverage amount.

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. Before deciding, compare the premiums, coverage amounts, and other benefits different policies offer.

Look for Additional Benefits

Many insurance providers offer additional benefits with their term insurance policies. Look for policies offering riders such as accidental death, 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 your family’s claim is settled promptly.

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.

Pointers to Consider on Buying Term Plans Without Medical Tests

Term plans offer individuals a straightforward and cost-effective way to protect their loved ones financially in the event of untimely demise. However, for some individuals, the thought of undergoing medical tests as part of the application process may be a deterrent. Fortunately, a term plan without medical tests provides a convenient alternative.

Before purchasing such a policy, here are some important pointers to consider:

Transparency About Your Medical Condition

Your health condition is vital while considering the risk covered through the policy term. Therefore, if you have a pre-existing illness or a serious health condition, the extent of getting affected due to an illness is on the higher end, increasing the risk of death. If you have avoided stating your health condition, it might pose a serious problem during a claim.

Transparency About Your Lifestyle

Lifestyle habits determine your health condition to a great extent. For example, if you are a chain smoker, you are highly likely to develop cancer, eventually leading to death. If you have avoided informing the insurance provider about habits like smoking, drinking excessive alcohol, etc., it can also lead to policy rejection if it is the reason for death.

Risks Associated with Term Insurance Plan Without Medical Tests

Term insurance plan without medical tests is an attractive option for many people who want to secure their future without going through medical tests. However, this option comes with a set of risks that people must be aware of before buying this type of insurance.

The first and most obvious risk is the insurance company taking a chance on the policyholder’s health. Without medical tests, the insurer assumes the applicant’s health, which 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 a term insurance plan 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 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, the insurer cannot verify the accuracy of the information provided by the policyholder. This can result in a policy that is unsuitable 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 canceled due to non-payment of premiums. Term insurance plan 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.

Key Takeaways

  • A term insurance plan without medical tests has gained popularity in India, offering convenient coverage.
  • This option appeals to individuals seeking quick and hassle-free insurance solutions.
  • It eliminates the need for time-consuming medical examinations, streamlining the application process.
  • Insurance companies leverage technology and data analysis for risk assessment.
  • Premiums may vary based on age, gender, lifestyle factors, and coverage amount.

Final Word

A term insurance plan without medical tests is convenient for those 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 their 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. Researching and comparing policies from different insurers before making a final decision is essential.

FAQs on Term Insurance Plan Without Medical Test


How does Term Insurance without medical check-ups work?

This insurance policy allows individuals to apply for coverage without undergoing medical tests. Instead, insurers may rely on other factors like age, occupation, lifestyle habits, and medical history disclosed in the application.


Are there any limitations to coverage with Term Insurance without medical check-ups?

While convenient, these policies may offer limited coverage amounts compared to traditional term insurance policies that require medical examinations to assess health status.


I have a pre-existing disease. Will I be able to buy a term plan without medical?

It depends on the insurance provider’s policy. Some offer coverage with certain exclusions or limitations, while others reject the application.


What factors determine eligibility for term insurance without a medical test?

Eligibility typically depends on age, sum assured, lifestyle, and pre-existing conditions. Insurers assess risk based on these factors to determine eligibility.


How does the premium for term insurance without a medical test compare to traditional term insurance policies?

Premiums for term insurance plan without medical tests are generally higher due to the increased risk for the insurer. Traditional policies with medical tests often offer lower premiums for healthier individuals.


What medical conditions are typically accepted or rejected in the application process for term insurance without a medical test?

Insurers may accept common medical conditions but reject applications for serious or terminal illnesses. Each insurer has its own underwriting guidelines for accepting or rejecting applicants.


Can I upgrade my term insurance policy later to include medical tests for potentially lower premiums or higher coverage?

It depends on the insurance provider’s policy. Some may allow policy upgrades to include medical tests, while others may not offer this option.


Will my premiums increase without a medical test, especially as I age?

Premiums for a term insurance plan without medical tests may increase over time, particularly as you age, to reflect the increasing risk of mortality associated with aging.


What happens if I fail to disclose certain medical information during the application process for term insurance without a medical test?

Failure to disclose relevant medical information may lead to the rejection of the claim or cancellation of the policy. Providing accurate information to avoid complications during the claims process is crucial.


How does the claims process differ for term insurance without a medical test compared to traditional policies in the event of death or critical illness?

The claims process for a term insurance plan without medical tests is similar to traditional policies. However, insurers may conduct additional investigations to verify the cause of death or illness in case of a claim.


Will my beneficiaries face any challenges in receiving the death benefit if I haven’t undergone a medical test?

Answer: If the cause of death is unrelated to any undisclosed medical conditions, beneficiaries are likely to receive the death benefit without challenges. However, if there are discrepancies in the information provided, the claims process may be delayed or disputed.

- A Consumer Education Initiative series by Kotak Life

Amit Raje
Written By :
Amit Raje

Amit Raje is an experienced marketer who has worked in various Fintechs and leading Financial companies in India. With focused experience in Digital, Amit has pioneered multiple digital commerce in India. Now, close to two decades later, he is the vice president and head of the D2C business department. He masters the skill of strategic management, also being certified in it from IIMA. He has challenged his challenges and contributed his efforts in this journey of digital transformation.

Amit Raje
Reviewed By :
Prasad Pimple

Prasad Pimple has a decade-long experience in the Life insurance sector and as EVP, Kotak Life heads Digital Business. He is responsible for developing user friendly product journeys, creating consumer awareness and helping consumers in identifying need for life insurance solutions. He has 20+ years of experience in creating and building business verticals across Insurance, Telecom and Banking sectors

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