Medical Test for Life Insurance
  • Importance of Medical Tests
  • Types of Medical Tests
  • Medical tests Charges
Medical Test for Life Insurance
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varun saxena
Written By:
varun

varun saxena

Term & Life Insurance

I am a passionate content writer with over three years of experience in the insurance domain. An avid learner, I always tries stays ahead of the industry's trends, ensuring my writing remains fresh and includes the latest insurance shifts. Through my work, I strive to engage with targeted insurance readers.

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Priya Singh

Priya Singh

Health, Life & Term Insurance

Priya has been in the content writing industry for over 9 years. She has been religiously following the insurance sector since the start of her career which makes her an avid insurance expert. Her forte lies in health, term, and life insurance writing, along with her knowledge of the latest developments in the insurance sector.

Himanshu Kumar

Himanshu Kumar

Term Insurance, Content Writer

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Himanshu Kumar

Written By: Himanshu Kumar

Updated on Jan 15, 2025

Himanshu Kumar

Anchita Bhattacharyya

Term Insurance, Content Manager

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Reviewed By: Anchita Bhattacharyya

15 min read

Rhishabh Garg
Written By: Rhishabh Garg
Rhishabh Garg
Rhishabh Garg Term Insurance Head
Rhishabh Garg is the Business Unit Head of Term Insurance at Policybazaar.com. He has over 10 years of experience and currently plays a crucial role in shaping the future of term insurance in the company. Rhishabh also has experience in customer services and crafts new strategies for organizational success, one of which is Policybazaar’s claim assistance program.
Santosh Agrawal
Reviewed By: Santosh Agrawal
Santosh Agrawal
Santosh AgrawalChief Business Officer
Santosh Agarwal is the Chief Business Officer of life Insurance at Policybazaar.com and has over a decade of experience in the insurance domain. She has helped shape Policybazaar's life insurance vertical and ensures the effective execution of the company's overall strategy. Santosh is also responsible for the Term Insurance for Women domain at Policybazaar.com and educates the masses about its importance and benefits.

Medical examination for life insurance

Life insurance provides financial support to the families upon the policyholder's death to sustain their current lifestyle in the absence of the bread-earner. Life insurance coverage and premiums depend on factors like age, income, geographical location, pre-existing health conditions, lifestyle habits and more.

To assess the health status of the potential life insurance policyholder, insurers make them go through medical tests before buying the policy. Through this article, we discuss the medical tests conducted during the purchase of life insurance.

Why are Medical tests required to purchase life insurance?

Every life insurance plan comes with its eligibility criteria, which every customer must fulfill to purchase that plan for themselves.

Medical tests for life insurance are one of the most essential criteria every individual must go through, but why are the medical tests necessary? let's discuss:

Importance of Medical Tests in Life Insurance

  • Make informed decisions-

    If you have a healthy lifestyle and body, your plan premiums will be much lower than those who have an unhealthy lifestyle. After getting the medical test done you can make the informed decision by adding up riders like critical illness rider to enhance the coverage.
  • Calculates coverage & premiums amount-

    Insurance Companies will go through the reports of medical tests for life insurance to calculate how much coverage you can get and the premiums you have to pay for it.
  • Less chances of claim rejection-

    Since the insurer knows all of your health details by conducting a medical examination for life insurance you are opting. The chances of your claim being rejected by the insurer are less.
  • Know your health status-

    In today's fast-paced world, sometimes we do not have much time to care for our health. A life insurance medical exam is the perfect solution to know about our health while opting for life insurance at the same time.

Types of Medical Tests for Life Insurance

Medical tests for life insurance are conducted among the following three categories.

  1. Video-Consultation

    Under -consultation, a qualified doctor by the insurer will conduct one to one video call with a customer, which includes:

    • Asking for basic information about the customer, such as age, existing illness, and lifestyle.
    • Cross-verify the details with the proposal form filled out by the customer.
  2. Home visit

    Under the home visit, a group of medical professionals by the insurer visit the customer's home and conduct a few tests, which include:

    • Blood test.
    • ECG
    • Diabetes test
    • Blood sugar
    • Treadmill Test

    The Home visit would be done if the doctor issuspicious about your health during the Video- Consultation

  3. Center Visits

    Under the center visit, the insurer company sets up the customer appointment with the listed hospitals to conduct a few tests, which include:

    • Ultrasonography
    • Echocardiography
    • Lipid Profile
    • Liver Function test

    The center visit would be done if the customer has any existing or has mentioned any illness in the proposal form

Charges Associated with Medical Tests for Life Insurance

Charges associated with the life insurance totally depend upon the issuance of the Policy. If the Policy is issued after the medical tests, all the charges will be borne by the insurer company. However, if the Policy fails to be issued, all the charges will be paid by the customer.

Conclusion

Medical tests for life insurance depend upon the person-to-person profile; someone with a greater age and higher risk profile will go through more no. of tests compared to someone with a lower age and low-risk profile. It is advisable to take a medical examination while opting for living insurance because it helps the insurer determine the life insurance coverage.

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Medical Tests for Life Insurance:FAQs

1. Are medical tests for life insurance mandatory?

Yes, a medical test for life insurance is mandatory before opting for it. However, some insurers will conduct medical tests depending on the customer profile of the customer.

2. How can I know the results of the medical examination?

You can know the results of medical tests by getting in touch with the insurer.

3. Are Medical examinations for life insurance chargeable?

The charges for medical examination for life insurance totally depend upon the issuance of the Policy after your medical test results. If the Policy gets issued, the insurer company will bear all charges. Otherwise, the customer has to bear it.

4. Is a medical test compulsory for life insurance?

Almost every life Insurer conducts medical tests. However, it depends upon the profile of the customer for the number of tests that they have to go through.

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varun saxena

Written By: Varun Saxena

I am a passionate content writer with over three years of experience in the insurance domain. An avid learner, I always tries stays ahead of the industry's trends, ensuring my writing remains fresh and includes the latest insurance shifts. Through my work, I strive to engage with targeted insurance readers.