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The term insurance companies have started telemedical facilities for prospective buyers, where medical and term plans can be purchased through telemedical checkups over the phone rather than consulting physically with the doctors.
#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply
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Note: Know more about what is term insurance first before reading this article.
Geographical boundaries are no longer an obstacle for NRI policy buyers who wants to buy a term plan in India. They can now easily opt for NRI term insurance plans in India that allow them to schedule video/telemedical check-ups from their residential country.
With the country slowing down the spread of COVID-19, insurance companies like Axis Max Life Insurance, Tata AIA, and PNB have introduced these remote services that would include the examination of customer applications and then doctor consultations over the phone.
Earlier, the medical examination process requires a customer to go to a doctor and get a standard test done. This is now replaced by a medical expert who provides you a consultation over a telephone call asking about your health and medical details like prescription history and
Term Plans
Now, NRIs can buy term plans online and choose the one that suits their requirements after filling out an application form. The payment of premiums can easily be done online using net banking or debit/credit cards. Then, a video/Tele-medical check-up is booked after taking information about their medical history and documenting their pre-existing illnesses (if any).
The telemedical process requires a customer to visit a medical expert and get their check-up done. Once the insurance company approves all your submitted reports, your application will be considered accepted and the policy will be issued.
Note: You can easily calculate the term plan premium by using the term insurance calculator online tool.
The term insurance medical tests conducted are generally subjective to the age of the policyholder. The common tests performed would be weight and height measurements, urine tests, and blood tests. Blood tests comprise complete blood count, fasting plasma glucose, differential count, and hemoglobin. Weight and Height help to determine the Body Mass Index (BMI) and urine examinations measure the cotinine levels.
These tests also include the measurement of cholesterol levels and HIV I and II. Additional tests might be required if the family or an individual has past records of illnesses. Inform all the details about drinking and smoking habits.
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| Term Insurance Plans | Entry Age | Maturity Age | |
| Max Life Smart Secure Plus | 18 years to 65 years | 85 years | |
| Tata AIA Smart Sampoorna Raksha | 18 years to 60 years | 100 years | |
| PNB MetLife Mera Term Plan Plus | 18 years to 60 years | 99 years |
A term insurance plan for NRI with a medical examination can help a healthy individual get the right term insurance plan with high life coverage at low premium rates. In addition to this, the medical test also gives a good idea about the health and medical conditions of the policy buyer.
If you are an NRI, having a term plan purchased in India that is affordable and offers guaranteed benefits irrespective of your residential country will financially secure your family. So, there are a number of term insurance benefits available for the Indian population across the world, and checking a term insurance plan and its benefits online is suggested. Always sign the policy documents after reading the terms and conditions.
Note: Check out the term insurance plan in India and choose one that suits your requirements.
†Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
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