Is It Possible to Buy Term Insurance Without a Medical Test?

Depending on your insurance policy provider, you may or may not be allowed to avail of a term plan with or without medical tests. Many insurers prefer to sell term plans to policyholders after getting their medical tests done, while others may allow you to buy their term plans even without going through these medical tests. Read this post to know more about this.

- Term Plans with No Medical Check-up
- Can I Buy a Term Plan Without Going Through Medical Tests?
- Process to opt for Term Plans without Medical Tests
- Things to Consider while Buying Term Plans Without Medical Check-up
- Term Plans available in India Without Medical Check-up
- How to Choose Term Plans without Medical Check-up?
Term Plans with No Medical Tests
These days there are several insurance providers who are offering term plans without a medical exam. With available term life insurance without medical exam, the insured doesn’t have to go through any medical examination to buy a term life insurance policy. In this case, the insurer allows the individual to buy a term plan by considering the age and coverage amount along with overall health of the insured. However, in case the potential policy buyer is suffering from any kind of prolonged illness or a medical condition, the person might have to go through the medical examination before buying the term plan.
Know More: Term plan calculator
Can I Buy a Term Plan Without Going Through Medical Tests?
You can definitely buy term insurance without medical tests from insurers who are offering such plans. The age of the potential buyer and the coverage amount of the policy are the two deciding factors when it comes to buying a term plan without medical insurance. Depending on these two factors it is decided whether you have to go through a medical screening or can do without it. But for people suffering from any pre-existing illness or a persistent disease has to undergo the process of medical screening.
Thus, if you are not suffering from any diseases, compare the various plans of term insurance without medical tests before buying the best policy.
Process to opt for Term Plans without Medical Tests
Here are the 5 steps to follow:
- The first step is to look for term insurance plans by means of a survey
- Get the details of various insurers offering policies without medical tests
- Now, make an assessment of your exact requirement of the term plan
- Based on your requirement, accomplish your research to find the policy
- Finally, you can close on the plan of life insurance without medical check-up that you would like to buy
Things to Consider while Buying Term Plans Without Medical Check-up
- Do not give any false information – Insurance is such a delicate subject matter that requires complete transparency. If you do not provide accurate and proper information to your insurer at the time of buying a policy, it might later bring upon you or your nominee some grave issues. In case of term plans with no medical check-up, it is all the more important to offer the correct information. So, you must not hide if you have any kind of pre-existing diseases or any other ailments from your insurer. Hiding such facts might be easy initially, but it would bring upon a huge financial burden on you in the event of any misfortune.
- Premium depends on lifestyle habits – The premium amount levied on the policyholder in case of term insurance plans without medical check-up also depends on the lifestyle habits of the insured. So, for a chain smoker the premium might be greater as compared to those who do not smoke. However, it doesn’t affect the death benefit received by the nominee.
Also Read: 10 Cheapest Term Life Insurance Plans with the Minimum Sum Insured in India
Term Plans available in India Without Medical Check-up
Below are some of the best term insurance plans available in India without medical check-up:
Term Insurance Plan (With No Medical Test) | Details |
ICICI Pru ICare Term Plan |
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MetLife Term Insurance Plan |
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Future Generali Smart Life |
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HDFC Click2protect Plus Plan |
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LIC tech Term Plan |
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How to Choose Term Plans without Medical Check-up?
Below are some points to remember while choosing a term plan without medical tests:
- To choose the best term insurance without a medical check-up, you can do a comparison of plans online.
- You should know your requirement and accordingly choose the coverage amount to avoid medical tests.
- It is recommended to buy a term plan at a young age.
- You should also choose a high sum assured to skip medical tests.
Read More: Benefits Of Choosing A Term Insurance At Younger Stage Of Life

Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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