Medical test for term insurance

Medical Tests for Term Insurance – Required or Not?

Finally, you found a term plan that says ‘no medical test required’ and you know this is what you had been looking for since the beginning. No hassles involved and you get the most affordable of insurance policy in a single package.  However, have you ever wondered if this is the right thing to do in the long run?

Nowadays, there are many providers that are offering insurance plans that don’t require you to undergo medical tests for getting a life cover. Nonetheless, before signing up for such plans you need to understand that these plans aren’t that customer-friendly as you think them to be.

Medical Tests for Term Insurance Plans

A term insurance plans packs in lots of goodies into a compact package. And to attract more customers, each insurer deal with medical tests differently. Some insurance providers don’t expect their customers to undergo medical tests below a certain age; hence, saving them from the ordeal. Whereas, some other companies may offer you some discounts if you appear for medical tests. Depending on the company and the plan you go for, you might or might not end up with a requirement to appear for medical test.

What Is Covered Under the Medical Tests?

Medical tests’ requirement varies from individuals to individuals and their cases. Normally, it depends upon the declaration made by you in your application form. The most common medical tests include FMR test (Full Medical Reports), HIV test, blood serum test, basic height & weight measurement, and routine urine analysis. The basic height & weight measurement helps your insurance provider to understand your BMI to find out if you are prone to any risk in futu

The blood test normally consists of the following test profiles.

  1. Differential Count
  2. Complete Blood Count
  3. Fasting Plasma Glucose
  4. Bio

Your medical test might also include cholesterol level tests. Routine urine analysis is done to ensure if the cotinine level found in your sample is within the acceptable range or not. It also helps to determine your smoking habits. In case you or any of your family members has a history of some disease or illness, the insurer might ask you to appear for additional tests.

If you are looking forward to get high insurance cover, it would be crucial for you to undergo medical examination.

Below-enlisted is the table showing risk cover for people belonging to different age group who need to undergo medical tests and submit their FMR (Full Medical Report) to their insurance provider before purchasing a term policy:

Risk Cover/ Age Group18-30 Years31-40 Years41-50 Years
Up to Rs. 2 LakhNANAFMR
Rs. 2-5 LakhNAFMR
Rs. 5-10 LakhFMRFMR + HIV TestFMR + HIV Test
Rs. 10-20 LakhFMR + HIV TestFMR + HIV Test + Blood Serum Test
Rs. 20-30 LakhFMR + HIV Test + Blood Serum Test + Routine Urine AnalysisFMR + HIV Test + Blood Serum Test + Routine Urine Analysis
Rs. 30-40 Lakh
Above Rs. 40 LakhFMR + HIV Test + Blood Serum TestFMR + HIV Test + Blood Serum Test + Routine Urine Analysis + Comprehensive Trail-making Test

A FMR includes your ECG report, blood sugar (in fasting state), blood pressure and blood count. In addition to, it may also include your liver and kidney tests.

Therefore, if you are planning to buy a term insurance plan, you need to first of all appear for that medical test.


Once you have submitted your application form to the insurer, it would send you an intimation to appear for medical tests. The company will also schedule an appointment for the task.

You’ll be provided with a list of available test centres in your vicinity by the company. You can choose one depending upon your convenience. You would also be informed about any special guidelines, if there are any, such as fasting for approx. 8 hours before appearing for the medical test, etc.

Mostly, you won’t have to bear the expenses for the tests as it is taken care of by the insurer.

Is it Necessary to Undergo Medical Tests for Term Insurance?

Yes, medical tests are deemed to be an important part of term insurance plans. However, proper declaration is something even more crucial than medicals tests. As a prospective customer, it is essential for you to declare any health-related hazards or any such issues in advance.

Even though, being up front about your health issues might affect your premium rates, you shouldn’t shy away from doing so. Being transparent from your end will help you in the long run when you will actually nee the claim amount. On the other hand, hiding a health condition may result in severe repercussions later on.

Failing to provide any piece of relevant information might result in the claim rejection when you’ll need it the most. Insurance providers follow a very rigorous and thorough process while sanctioning claims and they won’t shy away from rejecting your claim if they find any important piece of information missing.

Appearing for medical tests makes you safe as it throws the ball in the court of your insurance provider. In case anything happen to you due to an extended health condition that you didn’t know about, your insurance provider won’t be in a position to deny your claims. Because, the whole point of conducting medical tests is to figure out if the applicant has any health-related issues.

Benefits of Undergoing Medical Tests for term insurance:

Insurance providers are very strict about the medical tests’ guidelines as it helps them to be sure about the individuals’ health before issuing a policy to them. This also reduces the premium rates of your policy significantly. Other than that, you also have your peace of mind knowing that appearing for medical tests have made you less vulnerable for claim rejections.


Term insurance policies are one of the one of the cheapest life insurance policies that you can invest in. And, undergoing medical tests for term insurance helps you paint a clearer picture of your health conditions and make the overall process more convenient for you.