Medical Test
for Life Insurance
  • Importance of Medical Tests
  • Types of Medical Tests
  • Medical tests Charges
Medical Test in Life Insurance
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Term Insurance Plan for you.

Get upto 10% Online Discount*



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.


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.

Medical Tests for Life Insurance:FAQ's

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.

Life Insurance Companies

Compare and buy the most suitable Life Insurance Plan from the below-mentioned IRDAI-approved Life Insurance companies.

Life Insurance Articles

Life Insurance FAQs

Life Insurance FAQsSeptember, 2021

What Our Customers Have to Say

Customer Review Image



May 20, 2024

SUD Life term plan truly stands out my expectations as I got SUD Life term plan along with additional riders at very affordable premiums.

Customer Review Image



May 20, 2024

I am impresses with the hassle free and quick claim settlement process of SUD Life. Thanks to PolicyX who guided me to get my claim settled.

Customer Review Image



May 20, 2024

Bought SUD Life Family Income Benefit Rider plan to secure the future of my plan financially even in my absence.

Customer Review Image



May 20, 2024

I was looking for a term plan to secure the future of my family. So I contacted PolicyX and one of their representatives Mr. Vaibhav helped me choose SUD Life term plan.

Customer Review Image

Armaan khan


May 17, 2024

I recently purchased a Pramerica term insurance policy from The customer service team was very helpful in answering all my queries and guiding me through the application process. I...

Customer Review Image

Rahul Yadav


May 17, 2024

PolicyX’s dedicated support made renewing my Bandhan Life Insurance policy easy. I’m absolutely delighted with the service offered by PolicyX Insurance Advisor.

Customer Review Image

Priyanshu Sharma


May 17, 2024

I bought a Bandhan Life Insurance through PolicyX, and I must say the level of communication and assistance I have received has been truly impressive.

Customer Review Image

Yash Tomar


May 17, 2024

After getting advice from the PolicyX experts, I chose a Bandhan Life Insurance term plan. Thank you, PolicyX, for helping me buy a term plan at such a low premium.

Varun Saxena

Written By: Varun Saxena

Varun is a passionate content writer with over three years of experience in the insurance domain. An avid learner, he stays ahead of the industry's trends ensuring his writing remains fresh and includes the latest insurance shifts. Through his work, Varun strives to engage with targeted insurance readers.