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Can I Get Life Insurance Without A Medical Exam?

Life insurance plans are an important investment for anyone looking to create wealth while securing their loved ones. To purchase a life insurance plan it is important to undergo a medical test and submit a copy of the medical exam. But you must wonder, “Could I get life insurance without a medical exam?” The answer to that is yes! There are various insurance companies that offer life insurance without medical test. 

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Let us take a look at some of the points to consider before buying life insurance without medical exam.

Is it Possible to Buy Life Insurance Without Medical Test?

Yes, buying life insurance plans like term life insurance with no medical tests in India is possible. While medical tests are important before buying a life insurance plan as they help the insurer understand the customer’s accurate medical history and existing conditions, there are a few companies that offer some of the best life insurance without medical exam. However, these plans are only available for selective individuals who are within a certain age group and don't have any pre-existing health issues.

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Points to Consider Before Buying Life Insurance Without Medical Exam

  • Your Lifestyle Habits: If you have a habit of regularly consuming tobacco or alcohol frequently, you may want to reconsider those habits. Many life insurance companies offer special premium rates for non-smokers and people leading healthier lifestyles.

  • Accurate Information: You must give the most accurate information to the best of your knowledge while filling out the life insurance form. You should always disclose the essential details regarding your health and medical history. This is because when you purchase the best life insurance without medical exam, the insurer is offering you the life cover based on the information provided. If it turns out that the information provided was incorrect, the insurance company may reject your family’s claim.

How To Choose the Best Life Insurance without Medical Test?

The most important step in choosing the best life insurance without medical exam is to 

  • Compare plans online: You should always compare plans online before selecting the best life insurance without medical exam. You can compare life insurance plans like term insurance plan based on the premium rates offered, sum assured, the company’s CSR values, and policy terms.

  • Available Life Cover: Even the best life insurance without medical exam will offer a low sum assured compared to a life insurance plan with medical tests. Therefore, it is suggested that you thoroughly examine the list of available term life with no medical exams to find the one that offers your required life cover to your family.

  • Age at the time of Purchase: Insurance companies allow policyholders of younger age a larger sum assured. This is because they are better at being healthy and free of serious illnesses. Thus, you should purchase a life insurance plan as early as possible to get the maximum sum assured for the best life insurance without medical exam.

  • Terms and Conditions: Go through the life insurance plan's fine print to understand the policy's Terms and Conditions. This will prove helpful in the long term as you can avoid signing up for something you are unsatisfied with.

  • Premium Payment Options: Make sure the premium payment terms and modes available suit your requirements and fit your lifestyle. You can choose to pay your premiums on a single payment, regular payment, or limited payment on a monthly, quarterly, annual, or semi-annual basis.

Why is there a Need for Term Insurance Medical Tests?

Term Insurance medical tests are needed by the insurers as they give them a more holistic idea of the policyholder’s medical conditions and family history details accurately. Some other benefits of term insurance medical tests are as follows:

  • Lower Premium Rates: When the insurer has a clear idea of your current medical conditions, they offer a lower premium if you are considerably a healthier individual.

  • Higher Sum Assured: The insurer offers healthier individuals a higher sum assured as the chances of them claiming the amount are lower compared to unhealthy individuals.

  • Hassle-free Claims: When the insurer has proper knowledge of your pre-existing health conditions, they reduce the chances of hassles at the time of claim settlements.

Note: Know what is term life policy first and then buy a term plan for your loved ones.

Note: It is suggested to calculate the term plan premium on the term plan calculator online tool by Policybazaar before buying.

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How Can I Buy the Best Life Insurance Without Medical Exam Online?

Here is how you can buy the best life insurance without medical exam online:

  • Step 1: Visit the Life insurance page and choose the type of plan you want to buy: ‘Term Insurance’ or ‘Investment Plans’

  • Step 2: Enter the required information about your name, gender, contact details, and date of birth, and click on Check Your Premiums.

  • Step 3: Fill in your smoking habits, occupation type, yearly income, and educational background.

  • Step 4: Choose the best life insurance without medical exam and proceed to pay.

Final Thoughts!

Many insurers in India now offer life insurance without medical exams to help individuals secure their families. You can compare these plans online on the basis of their premiums, policy terms, sum assured, and other benefits. However, it is important to note that the sum assured and the policy benefits offered under these plans are lower than regular term insurance. 

Note: Check out the best term insurance policy in India and choose one that suits your requirements.

Note: You should also check the benefits of term insurance if you are planning to purchase the term insurance plan.

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