Buy Term Insurance Without Medical Test in India 2025

Can You Buy Term Insurance Without Medical Test? 

Yes, you can buy term insurance without medical test. Many life insurance providers offer term insurance without medical tests. In the term plan without a medical test, the insurance holder is not required to go through any medical screening while purchasing the policy. The insurance company allows the policyholder to purchase the term plan without medical tests, considering the policyholder’s age and the sum assured amount they chose. However, if the insurance buyer has any pre-existing medical problems or illnesses, he/she will have to take a medical exam while buying the policy.

Age, lifestyle, and family medical history are some of the important factors that insurers consider when offering term plans without a medical test.

Is Term Life Insurance Worth It?

Yes, having term life insurance is worth every penny.

Term life insurance plans are pocket-friendly and do not create a financial burden on your shoulders, depending on your age and health conditions.

The important aspect of any term insurance plan is based on the sum assured. You can either opt for a monthly payment of the sum assured or a lump sum payout of the death benefits.

A term insurance policy can be bought for a policy tenure between 5 years to 30 years. Besides, the policy offers complete risk cover to the insured; therefore, in case of the insured's demise, a death benefit is provided during the policy term.

There is a wide array of aspects such as living style, age, number of members, and much more, which helps in deciding the premium rate that could be paid on time so that you can secure your long-term objectives with a term life insurance plan. You can easily use a term plan calculator to get an estimate of the premiums you need to pay for the desired life cover.

At a time, buying a term insurance policy required a pre-medical screening. However, today, you can easily buy term insurance without a medical test.

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

Benefits of Term Plans Without Medical Tests

You can get a better understanding of what is term insurance by taking a look at its benefits. The following are the major benefits offered by the term insurance policy.

• Death Benefit: In case of the insured's unfortunate demise during the policy's tenure, a death benefit equal to the total sum assured amount is paid to the policy beneficiary. The term insurance plan ensures financial security for the insured's family against any type of emergency.

• Maturity Benefit or Survival Benefit: In a pure-term insurance plan, no maturity benefit is offered to the insured person if he/she survives the entire policy tenure. However, in Term Return of the Premium Plan (TROP), the survival benefit is offered as the premium return to the insured if he/she survives the entire policy term. In the TROP plan, the total premium paid by the insured to date is returned after the completion of the policy term.

• Tax Benefit: The insurance holder can avail of the benefit of tax exemption on the premium paid towards the term insurance policy up to the limit of Rs.1.5 lakhs U/S 80C of the IT Act.

• Additional Rider Benefits: Most term insurance policies offer additional rider benefits, which can be purchased along with the basic coverage to enhance the policy's coverage. There are generally four different types of rider options offered by the term insurance plan.

  • Critical illness rider

  • Accidental death benefits rider

  • Waiver of premium rider

  • Accidental total and partial disability rider

When Are Medical Tests Required to Buy Term Insurance?

Medical tests are an important part of the term insurance application process, but not all applicants need them. Whether a test is required depends on factors like your age, sum assured, health condition, and the insurer’s policy. Understanding these requirements can help you choose the right plan and avoid delays.

1. Age and Coverage-Based Requirements

   • Younger applicants with lower coverage may qualify for term insurance without medical tests, allowing faster policy issuance.

   • Older applicants or those opting for higher coverage generally need medical tests to assess health risks and determine premiums.

2. Common Medical Tests for Term Insurance

   When tests are required, insurers typically ask for:

   • Blood pressure measurement

   • Blood sugar (fasting and random)

   • Cholesterol levels

   • Basic urine tests

   Additional tests may be requested if you have a history of serious illnesses or lifestyle-related health risks.

3. Term Insurance Without Medical Test

   Many insurers now offer term insurance without medical tests, which provides:

   • Faster policy approval

   • Minimal health documentation

   • Coverage even for those with minor health concerns

4. Tips to Avoid Medical Test Delays

   • Always disclose medical history accurately to avoid claim rejections.

   • Check the plan-specific age and sum assured limits determining if tests are required.

   • Compare plans with no medical test if you want hassle-free and fast policy issuance.

How to Opt for Term Insurance Without a Medical Test?

To opt for term insurance without a medical test, identify insurers offering this option. Many leading companies in India provide medical term insurance plans that can be purchased online. Compare these plans based on coverage, premium, claim settlement ratio, and policy benefits to find one that suits your financial goals. Once you've chosen a suitable plan, complete the online application form with accurate details such as age, occupation, and health history. Even though no physical check-up is required, insurers rely on your self-declared health and lifestyle information, so honesty is important. The policy is issued digitally after you submit your documents and pay the premium. Remember that such plans usually offer a lower sum assured and slightly higher premiums since insurers take on additional risk without conducting medical tests.

How to Choose the Right Term Insurance Plan Without a Medical Test? 

• Assess Your Coverage Needs: Calculate the sum assured based on your age, income, debts, and dependents’ financial requirements.

• Compare Plans: Look at premiums, coverage limits, and benefits across insurers to find the best value.

• Be Transparent: Accurately disclose your health history, lifestyle habits, and family medical history to avoid claim issues.

• Understand Policy Terms: Check exclusions, free look period, grace period for premiums, and any limitations for no-medical-test policies.

• Consider Riders and Future Enhancements: Add riders or options to increase coverage later for better protection.

Points to Consider on Buying Term Insurance Plans Without Medical Tests

Here is a list of pointers that you should keep in mind to avoid any inconsistency with the insurance company in the future: 

• Transparency About Your Medical Condition: Your health condition is an important factor while considering the risks covered through the policy tenure. Thus, if you have a pre-existing illness or any serious medical condition, the chances of getting affected because of an disease is on the higher side, thus increasing the death risk. In case you have not mentioned your health condition, it might create a problem during a claim process.

  Let’s consider a case where you have bought a term insurance plan without a medical test. And, if you have a pre-existing heart related illnesses that you might have not informed to the insurer. Imagine if you meet with an unfortunate death because of an illness. In such cases, the claim of your nominee for the death benefit might be rejected because of not reporting the medical situation that led to demise. This is called as insurance fraud case. 

• Transparency About Your Lifestyle: Lifestyle practices determine your medical conditions. Let’s say, if you’re a chronic smoker, you are more likely to develop cancer that eventually leads to death. In case you have not informed the insurer about smoking, drinking, excessive alcohol consumption habits etc., this can lead to rejection of plan. 

Therefore, it is important to disclose all the medical conditions and lifestyle practices to help your loved ones benefit from the term insurance plan. 

Why There is a Need of Medical Tests for Term Insurance Important? 

• Less Hassles During Claims 

• Low Premium Rates 

• High Sum Assured 

Wrapping It Up

Term insurance policy seekers can buy term plan without medical test. However, the life cover will be on the basis of age and family’s medical history. If you decide to buy these term plans, you have to be transparent about your medical situations and lifestyle practices to avoid rejecting the claim. 

Also, it is suggested that you assess your term plans without medical tests for low premium rates and high life cover. It is a best decision to disclose your health conditions for gaining financial benefots to protect your family in case of an unfortunate demise. 

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

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