SBI Term Insurance Without Medical Test

Buying a term insurance plan timely means securing your family's future in case of your unfortunate demise. However, many people avoid buying a term insurance policy because of time-consuming medical examinations that delay the purchase process. Insurers ask for a detailed medical check-up of the potential policyholder to know of any discrepancies and decide premiums.

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But is it possible to buy a term insurance policy without a medical checkup? Yes. SBI Life Insurance Company offers term plans that do not require a medical examination. You can find details of the SBI term insurance plan without medical tests below. 

Term Plan Without a Medical Test

Generally, SBI Life Insurance conducts a complete medical examination of the potential term insurance policyholders to get an idea of their health quotient. It also affects the premium amount of term insurance plans. If the applicant is diagnosed with any ailment, it can lead to either rejection of policy purchase or higher premiums. It also includes the medical history of your family.

However, SBI Life Insurance company now offers term insurance plans without prior medical checkups. It is solely dependent on the applicant if they want to conduct medical tests, which is also a significant factor for claiming the policy. The policy buyer with pre-existing diseases or chronic illness must compulsorily go through proper medical examination before availing of the term insurance policy.

For term insurance policies without medical checkups, a medical self-declaration document is signed by the applicant during the buying process. 

SBI Term Insurance Plan Without Medical Examination 

The term plans offered by SBI Life Insurance Company do not necessarily require the policy buyer to go through a medical checkup. Under this policy, the policyholder is provided with a minimum assured sum of INR 20 lakhs. However, there is no limit to the maximum assured sum. 

As there is no medical checkup required, the term insurance availing procedures become quick and simple. As a result, the policy buyer is relieved from related expenses. You will however be charged a slightly higher term insurance premium than standard if you buy the policy without a medical checkup.

SBI Term Insurance Plan Features 

Let us take a look at some of the key features of SBI term insurance plans:

  • SBI term insurance plans do not necessarily require the policy buyer to go through a medical checkup first. However, applicants must go through medical checkups for reducing claim rejections.

  • SBI term insurance plans generally have a minimum policy tenure of 5-10 years, while the maximum tenure offered is 30 years.

  • SBI only allows annual premium payment frequency, which means you will only have to pay the premium once a year. 

  • The term insurance policies by SBI provide the minimum assured sum of INR 20 lakh.

  • On premium payments, a 30 days grace period is provided.

  • SBI provides special premium concessions to non-smokers as well as female policyholders.

What is the Importance of Conducting a Medical Test? 

Let us consider some significant drawbacks of not opting for a medical examination before buying a term insurance plan:

  1. Increased term insurance premium

    Insurance companies always tend to charge a higher premium from an individual who does not undergo a medical examination before buying term insurance. As insurance companies do not have a clear idea about your health quotient and medical status, they select the premium rate for term insurance based on the risk perception. Hence, if you want to avoid high premiums on your term life insurance, it is recommended to go through a medical checkup just so that insurers have an apparent impression of your health status.

  2. There are possibilities of your insurance claim getting rejected.

    Suppose you do not opt for a medical checkup before buying a term insurance policy. In that case, the insurance company will not have any idea about the diseases, chronic illnesses, or hazardous lifestyle habits you have unless you mention everything about your medical condition to the insurer. If you pass away from any diseases or hazardous habits that the insurance company is unaware of, your insurance claim might get rejected.

  3. Unavailability of high insurance coverage 

    Not opting for a medical examination can be considered for people seeking a term insurance plan with low insurance coverage. However, suppose you want a high insurance claim. In that case, you are recommended to give a medical examination first so that the insurance company can have an apparent idea of your health and can provide you with a higher premium.

Pros and Cons of SBI Term Insurance Plan Without a Medical Test



Not opting for a medical test surely helps in avoiding medical test expenses.

If a policy buyer does not opt for a medical test, the insurance company tends to charge a higher premium from him/her to counter health risk

Going through a medical test is a hassle-pact process. Hence not opting for a medical test makes the policy process quite simpler.

If you are an individual looking for high coverage, opting for a medical test is a must. Otherwise, insurance companies might reject your application.

Tax benefits are offered on the premium under section 80C and the claim amount under section 10(10D).

There are high chances of your insurance claim getting rejected if you pass away due to a disease that SBI is unaware you had.

The SBI term plan offers a grace period of 30 days on premium payment.

The insurance company can reject your term insurance policy at any time if they don't have an apparent impression of your health.

In Conclusion 

Going through medical tests can grant you high insurance coverage for lower premiums and vice-versa. SBI Life Insurance Company provides its customers with various term plans with and without a medical examination. It is recommended for all applicants to thoroughly research their policy and its benefits before making the final decision. Term insurance policy can help save your family a great deal during times of need.


Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Average Rating
(Based on 29 Reviews)
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SBI Term Insurance Without Medical Test Reviews & Ratings

4.3 / 5 (Based on 29 Reviews)
(Showing Newest 25 reviews)
Abohar, March 10, 2021
Financial stability for my family
I got the sbi general term insurance plan last year as I am concerned about my family. I searched various great plans and got to know into the website of policybazaar. Such great plans. Great work.
Baripada, March 09, 2021
Various good offers
I have recently bought a sbi term insurance plan from the website of the policybazaar. I am happy that policybazaar and team provided me with so many good offers at reasonable prices. Thanks.
Ambala, January 08, 2019
Less costly
This is the plan which I have bought from SBI. Here we have to make the lump sum payment of premium amount. And in case if the person dies then the amount which has been paid will be given to the family. The premium amount is less costly. I like the plan and would recommend everyone.
Mubarakpur, October 10, 2016
SBI term insurance
SBI life eshield Term insurance policy which i buy from sbi life insurance ltd is perfect policy plan. Insurance gave me more security and more benefits. Service is fast which is given by the company members. Renewal of the plan can be done through online portal service.
Sorada, August 24, 2016
My my sbi life eshield insurance policy is the best. Policy gives maximum coverage and claims are good. The service is quick and behaviour is very nice from the whole members of the company. Good decision to take this term insurance plan.
Kota, July 27, 2016
SBI term policy
Every one have insurances in this time, so i buy one for me and my family safety. Service given by the company members is fabulous and my plan is sbi term insurance which is a quality product. It gives full facilities to me and my parents.
Tezpur, July 27, 2016
Fantastic Insurance
Very fine terms and conditions of my sbi life eshield insurance plan. The coverage is maximum and claims are even better. Services provided by executives of the company is awesome and on time. 24X7 assistance by the staff members.
Katehri, July 27, 2016
High Coverage
SBI eshield insurance plan i have is fabulous, i took it from sbi policy insurers. Just the premiums are little bit high but the returns are huge with good number of benefits. The service is super fast and renewals can be done on web portal.
Madhuban, July 27, 2016
Term plan
The colleague of mine suggested me a online sbi saral plan. The policy is perfect and it coverage ratio is about 91%. Service by the members of the insurance company is quick and due to this the claiming become more easier than before. Sbi policy i have satisfies me completely.
Rajkot, April 21, 2016
Great Policy
I buy sbi life term insurance plan. The policy coverage is 94% and the premiums are low ~28 K. The claims are easily sanctioned because the service is fast from the executives side and from online web page also. The policy premiums are 5% less for women. Great investment which saves taxes too.
Kanpur, April 21, 2016
Above Average
SBI life term insurance plan is one of the perfect insurance i took it. The policy is good in service and it can be buy online also. The web service is awesome and 5% less for women on premiums. Policy coverage and the claims are high. Due to online facility, it reduces the paper work and the waiting part is erased. It saves taxes also.
Ooty, April 21, 2016
My sbi life term insurance plan is good with nice benefits. The policy coverage is high ~89% and the claims are approx. Rs.36 L after policy get mature. Claims are easily sanctioned because of fast services provided by the executives. Fantastic policy plan which provides good terms and conditions.
Navi_mumbai, April 21, 2016
Good Investment
I own sbi life term insurance plan and it really very good. The premiums are ~Rs.39.3 K per year. The claims are good and easily sanctioned. Service facilitate by executives and staff members are very nice and fast. The policy saves taxes and it is really very good investment for future.
Jajpur, April 21, 2016
Very Nice
Policy plan is nice with huge benefits like low premiums and the policy coverage is high 87%. Claims are are good and the payback amount is around Rs.33 L after the policy get mature. Internet services are great with easy interface and vast variety of policies are there with full descriptions. Good future investment which saves taxes.
Agartala, April 21, 2016
Good Service
I purchase sbi life term insurance plan. They has good in facilitate the fast services. Policy coverage is 91% and the claims are good with easy claiming process. The investment is good and it saves taxes also. The behaviour of executives and staff members is good with great service provided anytime.
Hyderabad, March 02, 2016
My term plan has all benefits which i bought from sbi life insurance. Policy coverage is 90% and claims are ~Rs.18 L. Service are good and claiming process get easy due to fast service. I really like the policy terms and conditions.
Plan Name: eShield
Agent Code: BPW00301
Udaipur, March 02, 2016
superb plan.
My term policy plan is with sbi life insurance. Policy is nice with low premiums and even terms and conditions are also good. Policy coverage and claims are high. Service is the best and executives and staff behave well with any query or conversation.
Plan Name: eShield
Agent Code: BPW00301
Delhi, March 01, 2016
Good Plan.
I purchase sbi life insurance term policy plan and i'm really happy with the terms and conditions of the policy. Coverage of the plan is high and the investment is low. Claims are also good ~Rs.13 L. The service is fast and always on time. Thanks for this great policy plan.
Plan Name: eShield
Agent Code: BEW00148
Mumbai, February 25, 2016
Average Policy.
I bought sbi life insurance term plan. The policy coverage and the claims are not that much as i expected. Premiums are high and services are okay not the best and not even poor. Kaam chalau plan hai.
Plan Name: eShield
Agent Code: BPW00301
Indore, February 24, 2016
My policy plan is not that good as i expected. Even the premiums are high but the returns are not. SBI life insurance term plan provide good services but not much good in other fields. Claims are also fair.
Plan Name: eShield
Agent Code: BPW00065
Vadodara, February 24, 2016
Policy coverage is less.
I have sbi term insurance plan which has low policy coverage but the service provided is great. Premium is low but the returns are also not much higher. An average policy plan according to me.
Plan Name: eShield
Agent Code: BEW00148
Patna, February 19, 2016
Great Policy Plan.
I have sbi term insurance policy plan which has low premiums. But the investment is also little bit high. Policy coverage is 90% and the claims are easy to get without any waiting. Service is really good, i'm happy with my policy plan.
Plan Name: eShield
Agent Code: BEW00148
Indore, February 18, 2016
Average Policy.
I bought term policy plan and sbi life insurance has low premiums on policies. You guys provided the nice services but please improve on your websites. Claims and policy coverage are high. I must say an average policy with okay benefits.
Plan Name: eShield
Agent Code: BPW00065
Delhi, February 18, 2016
Fine term plan
SBI life insurance term plan i have which provides me many benefits. Low premiums and high returns. Policy coverage is 80% and Policy claims are around eighteen lakhs. Services are pretty fast and on time time now. Great work.
Plan Name: eShield
Agent Code: BPW00301
Bengaluru, February 12, 2016
Good Life Insurance Policy.
My life is secure with sbi insurance. The policy is good enough to give five stars with closed eyes. The policy coverage is 90% and the claim is ~Rs.25 lakh. The service is very fast and follow-ups is time to time with nice response.
Plan Name: eShield
Agent Code: BBE06282
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