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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?

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. But there are a few companies that offer life insurance plans without a medical exam. 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: In case you have a habit of regularly consuming tobacco or alcohol frequently, you may want to reconsider those habits. It is because many life insurance companies offer special premium rates for non-smokers and people leading healthier lifestyles. 

  • Accurate Information: The information disclosed while filling out the life insurance form, you need to make sure to give the most accurate information to the best of your knowledge. You should always disclose the essential details regarding your health and medical history. This is because when you purchase 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 life insurance plans online before comparing them. You can compare term plans on the basis of the premium rates offered, sum assured, the company’s CSR values, and policy terms.

  • Available Life Cover: The life cover is the sum assured offered for a life insurance plan. The sum assured offered for life insurance without medical test is often lower, therefore it is always better to compare plans online and purchase the one with the largest coverage.

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

  • Terms and Conditions: Go through the fine print of the life insurance plan to understand the Terms and Conditions of the policy. This will prove helpful in the long term as you can avoid signing to something you are not satisfied with.

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

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How Should I Buy Life Insurance Without Medical Exam Online?

Here is how you can buy life insurance without medical exam online.

  • Step 1: Visit the Life insurance page.

  • Step 2: Enter the required information about your name, gender, contact details, and gender, and click on ‘View Plans’.

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

  • Step 4: Choose the most suitable plan and proceed to pay.

In Conclusion

There are various plans available in India for people seeking to purchase life insurance without medical test. However, you must note that the sum assured, age limit, and policy term offered in these plans may be limited. There may also be some restrictions on policy benefits and the chances of your claim being rejected are also high. 

To avoid any future claim rejections, it is better to disclose all health-related information and be as transparent as possible. Although, it is always better to just buy a life insurance plan with a medical test to avoid any potential complications in your family’s claim settlement in the event of your unfortunate demise.

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