Prices Increasing soon Prices Increasing Soon

Medical Test for HDFC Term Insurance

Term insurance is a form of life insurance policy that provides you coverage for a limited number of years rather than giving for your whole life. When the policy matures, you get back the total premiums paid during the entire policy term.

Read more
Gets ₹1 Cr. Life Cover at just
COVID-19 Covered
The Policybazaar Advantage
Dedicated claim support for family FREE
Upto 10% discount for buying online
Only certified experts will call you on 100% recorded lines
We are rated~
6.7 Crore
Registered Consumers
Insurance Partners
3.4 Crore
Policies Sold

#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply

By clicking on "View plans" you agree to our Privacy Policy and Terms of use

~Source - Google Review Rating available on:-

Life is Unpredictable! Protect your family’s future
Get ₹1 Crore Life cover starting from ₹384/month+
We don’t spam
Check Your Premium Now
Please wait. We Are Processing..
Get Updates on WhatsApp
The Policybazaar Advantage
Policybazaar Advantage Icon
Dedicated claim support for family FREE
Policybazaar team will help and support you at the time of claim. A personal claim handler from our team of experts will get in touch with you when your nominee applies for a claim on our website.
Policybazaar Advantage Icon
100% calls recorded to ensure no mis-selling
We will make sure you get what is promised by the advisors. We conduct regular monitoring of our calls to make sure you get the best experience.
Policybazaar Advantage Icon
Exclusive lifetime discount upto 5% for buying online
The discounts will be valid for the entire policy payment term and is not available if you choose to buy the insurance through offline agents.
Policybazaar Advantage Icon
Advisors available in your city
Our advisors are available in more than 55 cities across India and can help you at your doorstep in understanding the plans and in documentation.
Policybazaar Advantage Icon
Refund at the click of a button
In case you aren’t happy with your purchase, you can cancel your policy hassle-free at the click of a button. We will help you with the cancellation and refund of your policy.

The term insurance plan offered by HDFC Life Insurance Company includes several benefits. A few of them are listed below: 

  • Affordable premium rates

  • Accidental death benefit

  • Tax deduction benefit

  • Critical illness benefit 

  • Coverage from multiple illnesses

Along with these, you also get several add-on riders. 

When you choose to buy HDFC term insurance, you get these benefits plus coverage for up to 34 critical illnesses. The list includes life-threatening diseases like cancer, heart disease, kidney-related issues, lung disease, and liver issues. 

Importance of Medical Tests in HDFC Term Insurance

It is always advised to the policyholder to undergo medical tests even if the insurer does not mandate it to avoid future discrepancies. It will help consolidate your nominee's position while raising a claim for sum assured. 

Following are the factors that will help you understand the importance of the medical tests while purchasing term insurance: 

  1. Claim rejection

    When you purchase term insurance, your insurer expects you to declare all the health conditions you have at the time of application. Lying about your health conditions to your insurer is not only morally wrong but will lead to getting your claim rejected. 

    Therefore, it is advised to go through medical tests at the time of term insurance application. It will help you rightly disclose your health conditions to your insurer and make life choice changes that will result in you leading a healthy, stress-free lifestyle. If your insurer finds out you intentionally or unintentionally did not disclose your health conditions within three years of purchasing the policy, they can reject your claim. 

  2. Premium amount

    The premium amount is also dependent upon the medical conditions you may have at the time of purchasing the policy. If you undergo a medical examination and find out that you have no chronic illness, then you can opt for a lower premium. The insurer will perceive you as a low-risk investment and will be beneficial in increasing your corpus. 

  3. Low coverage

    Usually, the policies offering no-medical test clauses provide lower coverage. If you purchase such a policy and then get a medical condition during your policy tenure, there is a good chance that you might get insufficient funds from an insurer. 

    You may also get no cover at all for the illness with which you are diagnosed. Therefore, the insurer and policyholder should get medical examinations of the insured done so that both can be better prepared for the future. 

Critical Illness Rider with HDFC Term Insurance

HDFC Term insurance provides additional benefits with the help of the critical illness rider. It provides coverage for up to 19 critical and terminal illnesses. 

The policyholder must meet the following parameters set by HDFC Life to receive add-on benefits:

  • The minimum entry age of the policyholder must be above 18 years. 

  • The maximum entry age of the policyholder must not cross 65 years. 

  • The term of maturity of this rider is up to 75 years or until the policyholder's death. 

  • This rider will be offered to those policyholders who have consistently paid their premiums for five years after purchasing a policy. 

Here are additional things to know about HDFC Life critical illness rider:

  1. Coverage Amount

    Since it is an add-on rider with term insurance, your policy won't be terminated or foreclosed if you claim it. You will get expenses to cover your medical and hospital bills. The minimum coverage amount offered on this rider is Rs 25,000. 

    Maximum coverage amount will vary from person to person depending upon the illness for which funds are required. However, the maximum amount will be decided as per the HDFC board's regulations. The current coverage amount is equal to the sum assured you get at the time of policy maturation. 

  2. Survival Period

    The survival period of the add-on rider refers to the time frame after the diagnosis of the critical illness till the policyholder stays alive. HDFC term insurance has set 30 days as the survival period after the diagnosis of the disease. If you outlive 30 days upon diagnosis of the disease, you become eligible to claim the benefits of the rider. 

    If an applicant claims rider benefit towards the end of the rider term, and the survival period also crosses the end period, then the policyholder or the nominee can claim the rider benefit. 

  3. Waiting Period

    Policyholders get a waiting period after which they are allowed to claim the benefits of the policy. If you have any pre-existing medical condition which turns out to be chronic during the term, they will be excluded until 48 months after purchasing the policy. 

    You can claim the policy for getting coverage for any pre-existing condition, medical advice, or treatment after you have passed the 48 months from the inception of the policy.

Things to Consider Before Purchasing HDFC Term Insurance

HDFC term insurance covers you and your beneficiary financially, especially in times of need. In your absence or eventuality, it offers multiple benefits and returns the premiums paid by you to the nominee. 

Before purchasing HDFC term insurance, you are advised to consider the following points:

  1. Sum assured

    You must consider all the factors relating to your lifestyle and financial needs for deciding the sum assured. The coverage amount should be enough to cover your debts and your family’s lifestyle needs in case of your sudden demise within the policy term. Sum assured also becomes an important factor in deciding your premiums as a higher assured sum would attract a higher premium.

  2. Inflation rate

    When you purchase term insurance, it covers your loved one’s financial future. You must take inflation into account as it will every family, more so when in financial distress. The investment that is deemed as bigger now can be significantly valued less in the future. Once you consider all these factors, the generated corpus will be sufficient for the future.

  3. Disbursal flexibility

    HDFC allows flexibility in the disbursal of the returns. You can withdraw money in a health crisis or the genuine need of the money. After your death, your nominee will get the death benefit and select how he/she wants returns. They can get a lump sum amount or choose payout as monthly income.

  4. Policy tenure

    Policy tenure is a crucial factor to consider before purchasing a term insurance policy. It is directly dependent upon the corpus your policy will generate. If you choose to purchase the policy in your prime, you can opt for a longer tenure, plus you also get additional health benefits.


  • Q. Is there a death benefit on the critical illness rider? 

    Ans: No, there is no death benefit on this add-on rider. However, you will get the necessary coverage for chronic or terminal illness treatment after 48 months of purchasing the policy. 
  • Q. What will happen if I don't pay premiums on time? 

    Ans: If you consistently fail to make payments on time, your policy will collapse until you revive it again during the grace period. Until that time, you can not claim any benefit under the chronic illness rider. However, if you have occasionally missed the premium payments, then you will be eligible for the amount you have paid until then. 
  • Q. Can the premium change anytime during policy tenure? 

    Ans: Premiums of term insurance plans are usually fixed. When you renew the policy, it may increase. It is because they are dependent upon the inflation rate, term limit, and medical conditions of the policyholder. 
    For instance, if a policyholder develops habits like smoking or consuming alcohol, then that will bring the policyholder in the high-risk category. It will cause the premiums to rise. 
  • Q. Can I cancel my critical illness rider after a free-look period? 

    Ans: Yes, you are eligible to cancel a critical illness rider after a free-look period. 
    • If you choose to cancel it within 15 days of purchasing the policy, you can easily do so by providing proper documentation. 
    • If you cancel the rider along with your base policy after 15 days, the insurer will initiate refunds on the premium paid, if any. 
    • If you choose to cancel the rider only, your premiums will be recalculated by deducting the rider amount from the assured sum. 
    • If you cancel the base policy, then your rider will automatically be cancelled. 
  • Q. Can I alter the term limit of the rider? 

    Ans: No, you can not alter the term limit of the rider after making the purchase.

Different types of Plans

Premium By Age

Term insurance articles

Recent Articles
Popular Articles
Bajaj Allianz Term Insurance for NRI

03 Oct 2023

Today, many Indians live abroad, away from their family or loved
Read more
PNB MetLife Saral Jeevan Bima Review

07 Sep 2023

“I have opted for Term insurance plan of PNB MetLife. This is
Read more
Policybazaar's Insurance Advisor: Your Smart Path to Protection

17 Aug 2023

Policybazaar’s Insurance Advisors are IRDAI certified experts
Read more
ICICI Pru Saral Jeevan Bima

25 Jul 2023

ICICI Pru Saral Jeevan Bima is a simple term insurance plan that
Read more
HDFC Life Smart Protect Plan

19 Jul 2023

HDFC Life Smart Protect is a term insurance plan that offers
Read more
Term Insurance for Women in India
Term insurance for women is a type of life insurance specifically designed for fulfilling women’s needs and
Read more
LIC Term Insurance 1 Crore
LIC of India offers various plans to help you secure the financial future of your loved ones. In order to make
Read more
What Are The Medical Tests Done For Term Insurance
Term insurance offers a sum assured to the beneficiary of the policyholder upon their death that can help them
Read more
TATA AIA Smart Sampoorna Raksha Param Rakshak Plus
TATA AIA Smart Sampoorna Raksha Param Rakshak Plus is a comprehensive life insurance policy for individuals
Read more
2 Crore Term Insurance Plan
The pandemic has surely generated a global panic and emphasised the importance of financial planning that would
Read more

View Plans
Download the Policybazaar app
to manage all your insurance needs.