Why is a Medical Test Necessary for Term insurance?


When purchasing a term insurance policy, a medical exam is required. If you’re wondering what medical tests are necessary for term insurance, you should know that the response varies according to the client. The purpose of the medical test is to determine your specific health status so that the policy provider can design the right policy for you. Every insurance applicant, meanwhile, must undergo a series of basic tests, including a complete blood count, HIV I and II, cholesterol, fasting plasma glucose, differential count, and a urine test. The test is determined by a variety of criteria, including your age, family medical background, and the type of insurance plan you enrolled for.

Why Are Medical Tests Needed?

When buying a new term insurance plan, the policyholder must meet certain requirements. Filling out a registration form and supplying papers proving the identification of the insurance buyer are the first steps. Applicants should undergo a medical exam before acquiring a term insurance plan. Medical tests are necessary for both the insurance company and the policyholder during the policy acquisition since they establish the substance and value of the policy coverage.

Benefits of Medical Tests in Term Insurance

The following are the primary advantages of undergoing medical testing for term insurance policies:

  • Decision Making: Healthy candidates are given lower premium rates. Premiums rise for candidates with underlying health issues or a history of severe disease. The final decision to issue insurance is also based on the applicant’s medical assessment.
  • Reducing claim rejection: Failure to disclose medical history may result in plan disputes and claim denials. An accurate picture of the insurance buyer’s health circumstances at the time of purchase is critical for proper policy administration.
  • The influence on the sum assured: The sum assured is the sum of the insurance policy obtained by the policyholder’s beneficiary. In the case of an untimely death, the sum insured is paid to the insurance beneficiary as a death benefit. If your preliminary medical test findings are satisfactory, you may be eligible for a larger sum assured.

Also Read: 7 Effective Foods to Lower Blood Sugar Levels

Is medical test required for health insurance?

A term insurance policy can help you build a cash reserve for your spouse or child after your unexpected death. In your disappearance, the term policy’s insurance payout will cover all financial demands, such as your children’s schooling, loan repayment, and home bill management. Yet, as part of the term policy purchasing procedure, you must submit to a complete term insurance medical examination. The insurance company will assess your general health condition and risk profile based on the results of the term plan medical tests. Following that, the insurer will provide personalized term insurance policy quotations for you, allowing you to select the term plan variation that provides the most advantages for the lowest premium rates. Let’s check at some of the reasons why a medical exam is essential for term insurance:


The insurance company’s principal purpose is to compute the amount of premium due for your term plan. The life insurance plan is based on an applicant’s entire risk estimation. As a result, the provider must first establish your current physical health state before determining the suitable estimate for the premium owed for the policy. If you are in good physical health, your premium will be lower. If the term insurance medical examination reveals any pre-existing medical issues, your risk factor rises. As a result, you will have to pay a greater premium for your chosen insurance.

Sum Assured

The sum assured is another feature of a term policy. The sum promised is the number of funds paid to your beneficiaries in the case of an unpleasant event occurring within the term plan’s duration. The medical examination for term insurance allows insurance companies to learn everything they need to know about your wellbeing. If you are quite healthy, they may be able to offer you a bigger sum assured. The term policies that do not need a medical exam have a lesser sum assured, which in most circumstances is insufficient to financially protect your family. 

Low Coverage

If you purchase a term plan or life insurance plan without first having a medical exam, the insurance will almost certainly give less coverage. This is due to the insurer’s need to pay for the risk associated with unknown medical conditions that you may have that have not been disclosed to the firm.

Claim Rejection 

Several consumers wrongly assume that even if they possess a pre-existing health issue, they may get the insurance they want by choosing a plan that does not need a term policy medical test. If the insurance provider discovers that the policyholder’s unexpected death was caused by a pre-existing ailment that was not disclosed in their registration, the insurer may refuse your term policy claim. When you fill out your term insurance registration, you must mention any current health issues that may evolve into life-threatening diseases later and end in claim denial.

Also Read: Diabetes: Treatments and How it is Diagnosed

Type of medical test for term insurance

The major medical tests performed as part of the term policy insurance activation are as follows. Among the most important tests carried out are:

  • BMI Test
  • Urine Test
  • Blood Sugar
  • Blood Test
  • Complete Blood Count (CBC)
  • Echocardiography
  • Chest X-Ray
  • HIV Test
  • Kidney Function Test
  • Liver Function Test
  • Ultrasonography
  • Comprehensive Trail-Making Test
  • Treadmill Test
  • Lipid Profile


The tests listed above are not a complete list of medical testing. Insurance firms may choose to conduct their specific set of medical testing. You may also be exposed to a variety of exams based on the methods and style of your insurance company. It should be noted that none of the aforementioned conditions are necessary to give term insurance. There is a possibility that the examinations will differ for various candidates. There is also a strong possibility that the insurance agents will be prepared to modify the specified exams. Always prioritize the insurance company and the term insurance policy. In comparison to such fundamental variables, medical examinations and their details are simply secondary. Yet, for reliability, it is usually advisable to get coverage that includes medical checks.


Related Articles

Back to top button