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Know the List of Medical Tests Required for Term Insurance.


June 15, 2020

By : Bajaj Allianz Life

Things may not always go as planned in life because it’s full of uncertainty. But that shouldn’t stop us from preparing and planning to meet our life goals. If you follow the right steps, term insurance can be a tool that ensures your family never has to compromise on the quality of their life, no matter the circumstances.

Term insurance plans provide a substantial amount of financial protection by paying a nominal premium. Term insurance protection should be an indispensable part of your financial planning because it ensures that your loved ones are secure even when you are not there.

We all have life goals for our family such as children’s higher education, their marriage, a comfortable retirement life, etc. Term insurance benefits ensure that your loved ones can go on with their life smoothly and achieve their life goals without hindrance. You know that your loved ones deserve the best in life and you want to ensure that they do that even if life takes an unexpected turn. Thankfully, new-age term insurance plans provide a high sum assured amount so your family never have to worry about lack of financial protection.

However, to ensure that your loved ones derive term insurance benefits and to reduce the probability of claim rejection, you need to keep a few things in mind. One of the most important among them is ascertaining the state of your health with a medical test and disclosing it as is to the Insurer.


Why are medical tests important in term insurance?


Insurance underwriters, those who analyse and evaluate the risks of insuring individuals and groups assess the risks of providing term insurance coverage to you based on your age, health and lifestyle habits. To ascertain the state of your health, the life insurance company has to carry out medical tests and quantify the extent of risk they are carrying by agreeing to provide you with term insurance protection.

Medical test for term insurance is not always mandatory and it mostly depends upon your sum assured chosen, current age and is subject to the discretion of the insurance company.

By undergoing a medical test for term insurance and by disclosing this as is health condition with Insurer, you can minimize the chances of claim rejection in the future as the insurer has the correct report of your health status. A medical test also ensures that you don’t have any undisclosed medical condition that you are not aware of that may lead to claim rejection. Though a true report of your current health and your predisposition to some diseases may increase your term insurance premium, it’s always safer than carrying the risk of claim rejection. Therefore, undergoing medical tests before buying term insurance creates a win-win situation for both the insurer and the insured.


What medical tests are done for term insurance?


The medical tests that you have to undergo before buying term insurance are based upon information such as age, family medical history, sum assured chosen and lifestyle habits (smoking, drinking) that you have declared in your term life insurance application form.

Apart from the basic details such as height and weight, the insurance company may ask you to undergo the following tests:

• Urine test – Routine urine examination and urine cotinine test

• Blood Tests

• Complete blood count (CBC)

• Lipid profile

• Liver function test

• Kidney function test

• Fasting blood sugar

• ECG/TMT/2D Echocardiography

• Ultrasonography (Abdomen)

• Chest X RAY


Apart from these tests, the doctor will also record other vital body information such as height, weight, blood pressure and medical history.

• Additional tests: Additional medical tests may be called depending on the illness disclosed.


How your health affects your premium and coverage


Mortality risk is basic fundamental in term life insurance and your term insurance premium is directly proportional to this risk. Meaning, increased mortality risk equals a higher insurance premium. If you suffer from lifestyle-related diseases such as diabetes, hypertension or are at-risk for heart disease, or have a family medical history of these diseases, you may have to shell out more premium.

In case a person has a pre-existing disease, the likelihood of a claim during the policy tenure is higher. Consequently, the insurer may charge a higher amount of premium to handle this added risk. Therefore, your health status has a direct bearing on your premium amount and the term insurance coverage you get on your policy.

Apart from your health, your age, smoking and drinking habits, occupation, tenure of the policy, desired Sum Assured, riders also directly impact your term plan premium. But the premium amount shouldn’t be the sole criteria when you search while buying the term insurance plan. Instead, you should also evaluate the term insurance policy based on important parameters such as the insurance company’s claim settlement ratio, customer service, track record, availability of riders, policy coverage, etc.

In conclusion, whether you undergo a medical test or not, we can never overemphasise the importance of correctly disclosing your medical condition, family medical history, smoking habits and other vital information before buying term insurance. Failing to do so can lead to claim rejection in the future and will haunt your family when they need financial protection the most. Therefore, declaring all relevant information is important.

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2Above illustration is considering Male aged 25 years | Non-Smoker | Life Cover Variant | Policy term (PT)– 30 years | Premium Payment Term (PPT) – 30 years | Sum Assured opted is Rs. 1,00,00,000 | Online Channel | Non -medical rates | Annual Premium Payment Mode | Premium shown above is exclusive of Goods & Service Tax/any other applicable tax levied, subject to changes in tax laws, and any extra premium and is for illustrative purpose only.

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The above information is for general understanding and is meant to educate the general public at large. The reader will have to verify the facts, law and content with the prevailing tax statutes and seek appropriate professional advice before acting on the basis of the above information.