Term Insurance Without Medical Test
  • Pre-health check ups
  • Importance of medical test
  • Challenges faced
Term Insurance Without Medical Test
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Can I Buy Term Insurance Without A Medical Test

The COVID-19 pandemic has resulted in a significant shift in various aspects of life, including insurance policies. Normally, term insurance policies were often provided without the condition of a medical test. However, in the present situation, undergoing a physical examination has become mandatory. This article will discuss the changing landscape of term insurance without medical tests and explore the reasons behind this change. Moreover, we will also discuss the challenges of term insurance with medical tests.

The Period Before COVID: Term Life Insurance Without Medical exam

It used to be possible to get term insurance policies without undergoing a medical test before the COVID-19 pandemic. Insurance companies primarily depended on the details given by applicants through self-declaration forms and questionnaires. The strategy was advantageous for people who liked an easy insurance purchase process. Particularly individuals who were young, in good health and were looking for insurance to cover smaller expenses.

Importance of Medical Test For Buying Term Insurance

As a standard practice, insurance providers then started have started implementing medical tests for term insurance policies. The insurers are called for a medical test at the centers alloted by the insurance companies. The cost of the medical tests is borne by the insurance company if the person is approved for buying the term plan and in case of rejection, the costs are borne by the person being tested. Medical tests play a crucial role in the process of buying term insurance for both policyholders and insurance companies. Here's why they are important:

For Policyholders:

  • Accurate Pricing: Medical tests help insurance companies assess the health risks associated with an individual accurately. This means that policyholders are more likely to pay premiums that reflect their actual health status. Without medical tests, healthier individuals might end up subsidizing the premiums of less healthy ones.
  • Coverage eligibility: Medical tests can determine whether a policyholder has some undisclosed or undiscovered pre-existing conditions or not. Medical tests can bring to light any undiscovered pre-existing diseases which can help the policyholder be aware about it and take a suitable action based on it.
  • Helps Avoid Claim Rejection: Knowing that your policy is accurately priced based on your health status and after all the exams, you can relax as the chances of your claim getting rejected would be very low. You can be confident that your family will receive the intended financial protection in case of your demise.

For Insurance Companies:

  • Risk Assessment: Medical tests enable insurance companies to assess the health risks of applicants. This helps determine the likelihood of having to pay out a death benefit during the policy term.
  • Pricing Accuracy: Accurate risk assessment through medical tests allows insurance companies to set appropriate premiums. This ensures that they can cover their liabilities while remaining financially stable.
  • Fraud Prevention: Medical tests can help verify the accuracy of information provided by applicants on their health and medical history. This reduces the likelihood of insurance fraud.

Challenges Associated With Term Plans Including Medical Tests

even though medical tests for term insurance policies post-COVID-19 have their advantages, they do present certain challenges. The following are the challenges that can be faced by applicants of term insurance policies:

  • Inconvenience and the amount of time it takes are common issues when undergoing a medical test. The insurance purchase process may experience delays due to scheduling appointments, visiting clinics or hospitals and waiting for test results.
  • Some people may have or experience anxiety or fear during medical tests. This may cause hesitation or unwillingness among potential policyholders, affecting their choice to select term insurance.
  • Sharing personal health information is necessary during medical tests with insurance companies and medical professionals. Privacy issues may make some individuals hesitant to take tests and disclose confidential information.

Medical Tests For Buying Term Insurance

The following is the list of medical tests and examination that a future poicyholder might have to go through:

  • Blood Tests

    These tests can include a complete blood count (CBC) to assess overall health, and other blood markers to check for specific conditions.
  • Urine Analysis

    Urinalysis can help detect kidney problems, diabetes, and other medical conditions.
  • BMI (Body Mass Index) Measurement

    BMI is used to assess whether an applicant is within a healthy weight range relative to their height.
  • ECG (electrocardiogram)

    An eCG records the electrical activity of the heart and can help identify cardiac issues.
  • Treadmill Test (Stress Test)

    This test assesses cardiovascular fitness and can help identify heart-related problems during physical activity.
  • Blood Sugar (Glucose) Test

    This test measures blood glucose levels and helps assess diabetes risk.
  • Lipid Profile

    This includes measurements of cholesterol levels (total cholesterol, LDL, HDL) and triglycerides to assess heart disease risk.
  • Chest X-ray

    A chest X-ray can detect lung and heart conditions and assess overall lung health.
  • Liver Function Tests

    These tests evaluate the health of the liver by measuring liver enzymes and other markers.
  • Kidney Function Tests

    These tests assess kidney health by measuring markers like creatinine and blood urea nitrogen (BUN).
  • Ultrasonography

    Ultrasound imaging can be used to examine specific organs, such as the liver, kidneys, or thyroid, to identify any abnormalities.

Not all insurance policies will require all of these tests, and some applicants may ned additional tests based on their medical history and risk factors. It's essential to work with the insurance company or a medical professional to determine which tests are necessary for your specific policy application. Additionally, the results of these tests can affect your premium rates and coverage eligibility, so it's important to be honest and accurate in your health disclosures during the underwriting process.

Cost Of Medical Tests

The cost of medical tests in India can vary widely depending on the location type and number of tests etc. required for the assessment of a future policyholder's health. Here is a general estimate of the cost range for some common medical tests:

  • Blood Tests (CBC, Blood Sugar, Lipid Profile) The cost for a basic blood test panel can range from Rs 500 to Rs 1,500 or more, depending on the location and the laboratory.
  • Urine Analysis A urine analysis typically costs around Rs. 200 to Rs. 500.
  • ECG (electrocardiogram) An ECG can cost betwen Rs 300 to Rs 1,000, depending on the facility and location.
  • Treadmill Test (Stress Test) The cost of a stress test may range from Rs 1,500 to Rs 4,000 or more.
  • Chest X-ray A chest X-ray can cost around Rs 300 to Rs 800.
  • Liver and Kidney Function Tests Liver function tests and kidney function tests may cost betwen Rs 500 to Rs 1,500 each, depending on the specific tests included.
  • Ultrasonography The cost of an ultrasound can vary significantly based on the body part being examined and may range from Rs 1,000 to Rs 3,000 or more.

The cost of medical tests is typically borne by the applicant when applying for term insurance. If the applicant successfully clears the tests and is eligible to buy the insurance policy, the insurance company may reimburse the cost of the tests. However, if the applicant is not approved for the insurance coverage, the cost of the tests will not be covered by the insurance company, and the applicant will be responsible for the expenses incurred. It's essential to check the specific terms and conditions of the insurance policy and the reimbursement process with the insurance company.

What if You Have a Pre-existing Health Condition?

As we all know an individual has to undergo a pre-policy test to buy a term insurance plan. In this process, if the insurer comes across any pre-existing disease or any health issues that can lead to death, the insurer views the policyholder as a high-risk individual. In this case, the insurer makes sure that they will only cover the death caused due to any other reasons such as accidents and not cover death caused by any pre-existing diseases.

This does not mean that a person with a pre-existing disease is not eligible for term insurance. Such individuals will get the term insurance with a death benefit, excluding any pre-existing disease or health condition.

In a Nutshell

Significant changes have occurred in the insurance industry due to the COVID-19 pandemic, especially concerning medical test requirements for term insurance policies. So, it is mandatory to get medically examined before you purchase a term insurance policy. Apart from this, it is advised that you buy a term plan in your early years when you are younger and healthier.

Term Insurance Without Medical Test : FAQ

1. Can I get Term Insurance without medical test?

No, due to changes brought about by the COVID-19 pandemic, it is now mandatory to undergo a medical test before purchasing term insurance.

2. Who will pay for the medical tests?

The cost of the medical tests is typically borne by the applicant. If you are approved for the insurance policy, the insurance company may reimburse you for the cost. However, if your application is rejected, you will be responsible for covering the expenses.

3. What are the challenges faced when buying term insurance including medical tests?

Undergoing medical tests can be inconvenient and time-consuming, and some people may fel anxious about them. There are also concerns about sharing personal health information.

4. What all medical tests are required for buying term insurance?

Medical tests for term insurance can include blood tests, urine analysis, BMI measurement, eCG, stress tests, and more. The specific tests neded may vary based on your health and risk factors.

5. When is the best time to buy term insurance?

It is advised to buy term insurance in your early years when you are younger and healthier, as this can lead to lower premiums and better coverage options.

6. Do term insurance plans cover pre-existing diseases?

Generally, term insurance plans do not cover pre-existing diseases, but the company design special ones that include pre-existing health conditions and the premium for those plans are high.

7. Who provides the medical test?

The pre-policy medical tests are generally performed at the medical centers recommended by the company. Sometimes these checkup expenses are paid by the companies.

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Priya Singh

Written By: Priya Singh

Priya has been in the content writing industry for over 8 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.