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Guide to Medical Tests for Buying Term Plans

Accurate medical test results are crucial for term insurance, Ensure reliable tests.

medical test for term insurance

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Investing in a Term Plan is one of the smartest decisions you can make to ensure the financial security of your loved ones. However, before purchasing this plan, you must undergo a series of medical tests to determine your health status. These tests help insurance companies evaluate the level of risk you pose as a policyholder and determine the premium amount you'll have to pay. Understanding the medical tests required to buy Term plans in India is critical, as it can impact your policy's cost and coverage. In this article, we'll provide you with an all-encompassing guide about medical tests to buy term plans in India.

Why are medical tests necessary for Term insurance?
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Prior to purchasing a Term Plan, medical exams are typically done to determine the client's health risk. This helps in verifying insurance claims and confirming the insurance declarations. They may vary from one case to another depending upon various factors like age, existing illnesses, smoking or drinking habits, occupation and gender. The sole purpose of these parameters is to identify high-mortality cases. The higher the probability of mortality, the higher the premium charged.

Who needs to undertake medical tests for Term insurance?
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The need to undergo a medical examination will vary from one insurance company to another. Some companies might not require the client to undergo medical tests and other companies might have it as a mandatory condition. It is advised to go through the conditions carefully before you buy a Term Plan.

Medical tests are needed in the following cases.

What are the medical tests required for Term Insurance?
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Following are the tests requested before issuing a Term Insurance Plan.

Test to buy Term Insurance


Body Mass Index (BMI)

Height and weight are important to determine the general physical health of an individual.

Blood sugar

The applicant may be asked to undergo a fasting blood sugar test. This is important to determine the blood glucose level and diagnose diabetes.

Electrocardiography (ECG)

It is used to measure the electrical activity of the heart and diagnose any cardiovascular diseases.

Urine analysis

This can be used to detect various disorders like kidney disease and even diabetes.

Differential blood count

It helps to measure the number of White Blood Cells which are directly linked with immunity in an individual.

Lipid profile

It helps to measure the amount of cholesterol and triglycerides in the blood.


It is used to obtain images of internal organs.

Chest x-ray

To study the presence of heart or lung abnormality.

Liver function tests

To evaluate any acute liver diseases like Hepatitis.


To study the presence of Human Immunodeficiency Virus (HIV) which causes Acquired Immunodeficiency Syndrome (AIDS).

Haemoglobin test

To study the number of red blood cells and low count which might cause Anaemia.

Benefits of Medical Tests for Term Insurance
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Some benefits of getting medical tests done for Term insurance are as follows.

Avoid rejection of claims
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The medical tests are evidence of the client’s overall fitness. This prevents claim rejection which often arises due to discrepancies in the client's information submitted during the purchase of the policy.

Access client’s mortality risk
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The insurance company aims to verify the physical fitness of the client because in case of underlying illnesses, the probability of a claim is high.

Affordable premiums
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The insurance company aims to provide a term plan at affordable premiums. This can only be done after a medical examination because a pre-existing health condition increases the chances of mortality. This is why young healthy individuals benefit the most from buying a Term Plan as the premiums are affordable and the plan does not come with any added terms and conditions.

Adjustments in coverage
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Clients with normal health are provided with higher coverage amount in insurance. This also helps in attaining affordable premiums. If the client has any ailment that increases the chances of mortality, there might be a limit to the sum assured. Please read the policy document carefully before making a purchase.

What is the process of medical tests for buying Term Insurance?
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Once you submit the application, your insurer will assign a medical expert who will help you complete the process correctly. Insurers have tie-ups with various clinics and you can choose the nearest location and time based on your comfort. You will also have an option to schedule a test at home or office. Here are the steps involved in the process of medical test for buying Term Plans.

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You will be asked various questions related to past medical history or current medications. The contact of the present physicians may also be asked. This information should be provided cautiously as it may be verified later.

Standard sampling
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Various samples are collected for further medical investigation. Some basic measurements like body weight and height are also noted. Based on this, an electrocardiogram may be performed. The results of these tests can be used to verify the information given by the client in the interview.

The main objective of these tests is to identify the health quotient of the client. Misleading information at this stage may result in policy rejection. Therefore, being honest is crucial.

Tips to prepare for a medical test
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Here are some tips to prepare for a medical test to buy a Term Plan.

How to buy Term Insurance?
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Both online and offline options are available to purchase a Term Plan. Online purchase saves you from the hassle of physical documentation. Better comparisons can also be made among the several plans available that meet your requirements. 

Here are steps to buy a suitable term plan.

Points to remember while buying a term plan
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Here are some things to remember that will help you ensure your purchase process completes smoothly.

Frequently Asked Questions (FAQs)
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Here are the answers to the most asked common questions regarding the medical tests for buying Term Plans.


Do I have to pay for the medical examination?

Usually the insurance company bears the cost of the medical examinations when you apply for a Term Plan.

Can I get my medical results?

Yes, you can get in touch with the insurance company to get the results of your medical examination.

Can I buy a term plan without a medical exam?

This depends on the terms and conditions of an insurer and the type of plan you choose. Some insurance companies may offer a Term Plan without a medical test. Thorough research must be done to compare the exclusions and inclusions.

Does the medical test take place before or after paying the premium?

The medical test usually takes place before paying the premium.

Are the medical test results confidential?

Yes, the medical tests performed before the purchase of a Term Plan are confidential.

Can the application be rejected based on medical tests?

Yes, different insurance companies have terms and conditions. Some insurers may reject a client’s application based on medical test reports.

How long will the results of the medical tests take?

The time taken for test reports depends on the type of tests performed.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on industry experience and several secondary sources on the internet, and is subject to changes.