Written By: 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.

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Reviewed By: Raj Kumar

Raj Kumar

Health Insurance

Raj Kumar has more than a decade of experience in driving product knowledge and sales in the health insurance sector. His data-focused approach towards business planning, manpower management, and strategic decision-making has elevated insurance awareness within and beyond our organisation.

Updated on Apr 08, 2025 4 min read

Medical Test for Term Insurance

Medical Tests for Term Insurance is a necessity In today’s day and age when it comes to buying term insurance. The sole purpose of the medical test for term insurance is to identify the exact condition of your health which helps insurance providers to create the best term plans for you.Comprehensive health coverage is a basic need and requirement for almost all individuals due to the rising cost of medical care as well as the increasing risk of lifestyle-related diseases. Term plan insurance without a medical exam is not a good idea as it means walking blindly into insurance that may or may not cover the insured individual for the medical aid he/she requires.

When it comes to ensuring your family’s future an adequate term insurance plan ensures that your family’s financial future is taken care of so that you don’t have to drain your life savings. When you are looking for the perfect term insurance you will notice that most insurers need you to take a medical check-up as a mandatory process which is known as a pre-policy medical check-up.

In simple words, a medical test or pre-policy medical checkup is a set of medical tests requested by your insurer before issuing the policy. This helps insurers determine whether you are a high-risk applicant or not and thus determine your premiums.

Why are Pre-Policy Medical Tests Needed?

An individual must make sure that he/she does not invest in any term life insurance without a medical exam as this step has multiple benefits. Medical tests for term insurance are important because they set standard health parameters against which the insurance company can measure the policyholder’s health.

Another major benefit of pre-medical tests before purchasing insurance is that any pre-existing medical conditions and illnesses would come to light through such a test, allowing the company to make a decision on the appropriate coverage for the particular individual.Term Insurance plans without medical tests also face issues when it comes to insurance claim settlement. The tests are important when it comes to filing claims. In case the policyholder files a claim and the insurance providers prove that the illness was caused by a pre-existing medical condition that was hidden from them the claim settlement terms and conditions will change, hence saving the insurance provider from any fraud. With a proper term insurance medical test checklist, the policyholder’s medical health will be on file, making it easier for both the insurance company as well as the policyholder to investigate and file a claim, respectively.

Term Insurance Medical Test List

Each and every insurance provider have different criteria for risk assessment through which the medical risk of the insured individual is measured. The risk is likely measured on important parameters such as the age of the policyholder and the coverage amount.

On the basis of these parameters, various medical tests are suggested in order to analyze the coverage amount of the insured. However, the usual tests recommended are measurement of blood pressure, ECG, lipid profile test, blood serum test, complete blood count, blood sugar, etc.

Medical tests conducted before purchasing an insurance policy are paid for by the insurance providers, at least half of the costs of the tests are to be borne by the insurance company, and the balance is to be paid by the policyholder. Given the high competition in the market, to reduce the burden on policyholders, most insurers choose to cover the cost of the tests themselves.

Conclusion

There are many benefits of taking a medical test before purchasing health insurance. Multiple insurance policies do not mandatorily require a pre-medical test, however, it is highly recommended to follow the pre-medical test. Medical test for term insurance enables the chances of health insurance claim settlement significantly.