Written By: Himanshu Kumar

Himanshu Kumar

Term & Life Insurance

Himanshu is a content marketer with 2 years of experience in the life insurance sector. His motto is to make life insurance topics simple and easy to understand yet one level deeper for our readers.

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Reviewed By: Sharan Gurve

Sharan Gurve

Term & Health Insurance

Sharan Gurve has spent over 9 years in the insurance and finance industries to gather end-to-end knowledge in health and term insurance. His in-house skill development programs and interactive workshops have worked wonders in our B2C domain.

Updated on Jan 21, 2026 6 min read

SBI Term Insurance Without Medical Tests

People often need clarification about whether any term insurance is available without medical tests. The simple answer is ’Yes’. You can buy SBI term insurance without medical tests. SBI offers a term insurance plan that does not require any medical tests or examinations and that plan is SBI Life- Grameen Bima. This plan provides financial protection to your loved ones during your unfortunate demise. Buying a term plan without a medical test has advantages and disadvantages, which you will learn in this article. Let’s understand more about the SBI Life Grameen Bima Plan in detail.

SBI Life Grameen Bima Premium Illustration

Let’s understand how the SBI Life Grameen Bima Plan works with a simple illustration.

Mr. Shrikant a non-smoker aged 30 years purchased SBI Life Grameen Bima. Let’s understand his premium calculation using an illustration table.

Importance of Medical Tests For Term Insurance

Undergoing medical tests while buying a term plan is important for policyholders and insurance companies. Let’s understand the importance for both one by one.

Importance For Policyholders

1. Pay appropriate premiums

   If you buy a term plan without a medical test, the company will charge you higher premiums as they didn’t assess the risk of insuring you. Buying a term plan after undergoing medical tests saves you from expensive premiums.

2. Hassle-free claim processing

   The claim settlement process would be hassle-free and instant if you choose a term plan after undergoing necessary medical tests, as your health status is disclosed in the tests, and your loved ones don’t need to explain much.

3. Figure out your undiscovered illness, if any

   Only a small percentage of people go for regular health checkups. When you undergo medical tests while buying a term plan you can figure out your undiscovered illness, if any, and take appropriate action. 

Importance For Insurance Companies

1. Figure out the risk involved

   If a policyholder undergoes a medical test, insurance companies can determine the risk involved in insuring them through a term plan.

2. Charge premiums accordingly

   After assessing the risk through medical reports the insurance companies can charge premiums from the policyholders accordingly.

3. Avoid insurance fraud

   Insurance fraud is common nowadays. These frauds can occur from the side of the policyholder or the insurance company. Medical test reports serve as proof and help to eliminate these kinds of frauds.

SBI Term Insurance Plan Features

Here are the major features of SBI term insurance plans:

• SBI Term Insurance does not always require a medical test at the time of purchase. For higher coverage amounts and better approval chances, medical tests are recommended.
• SBI term plans only allow annual premium payments.
• They offer a minimum policy term of 5 to 10 years. The maximum period goes up to 30 years.
• SBI offers a minimum life coverage starting from ₹20 lakh.
• There is a 30-day grace period for yearly premium payments.
• There is a grace period of 30 days for yearly premium payments.

What are the benefits of getting the medical tests done?

A medical test is essential when you buy term insurance, as it directly impacts the cost, claim approval, and coverage. If you skip medical tests, insurers may charge higher premiums. Claims also become risky as insurers depend only on self-declared health details, which raises the chances of rejection if an undisclosed illness is found later. Medical tests help you qualify for a higher sum assured because most high-cover term insurance need health screening.

Pros and Cons of Buying SBI Term Insurance Without Medical Tests

If you buy an SBI Term Insurance without medical tests, then it has its pros and cons. Before making a decision, the policyholders should go through these pros and cons.

Things to Consider When Buying An SBI Term Plan Without Medical Tests

When buying an SBI term insurance plan without medical tests, you have to keep certain things in mind to avoid claim rejection:

Medical Tests Required by SBI Life For Term Insurance

If you want to buy a term plan by undergoing medical tests, which itself is the right decision, then you have to get the following medical tests done:

1. BMI (Body Mass Index) test

   This test helps to know whether the relation between your height and weight is appropriate or not. You can calculate the BMI using various free tools available on the web.

2. Urine test

   This test helps to determine the illnesses related to the kidney and liver function.

3. Blood test

   This test helps to count blood cells in your body, which is used to assess the overall body health.

4. HIV test

   This test helps you determine whether the policyholder is suffering from HIV or not.

5. Lipid Profile

   This test helps to determine the cholesterol level in your body and the related illnesses.

6. Blood sugar test

   This test helps to determine whether you are suffering from diabetes or not.

7. Treadmill test

   This test helps you measure the heart rate and level of stress you are experiencing.

8. X-ray

   This test helps to determine the condition of your heart, lungs, and bones.

* SBI Life may ask for any other medical tests based on the plan type and the policyholder.

Conclusion

The above article informs you about the SBI Term Plan without medical tests. We have mentioned the pros and cons of buying a term plan without a medical test and the importance of medical tests and tests that SBI requires. Now it is up to you whether you should buy a term plan without medical tests or with medical tests. If you are still confused about whether you should opt for a plan with or without medical tests, then you can contact us at PolicyX.com. One of our representatives will get in touch with you shortly, understand your requirements, and help you choose the right term plan.

If you are worrying about which plan is best, you can contact us at PolicyX.com. You can call us at 1800-420-0269. We offer No Spam, No Gimmicks and Only Expert Insurance Advice.

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