What medical tests are required for term insurance?

There are a few basic medical test for term insurance for every policy buyer, such as:

• Complete blood count.
• Kidney function test.
• Liver function test.
• Lipid Profile.
• Fasting Plasma Glucose.
• HIV.
• Routine Urine test.

Do we need medical test for term insurance?

In the term plan without a medical test, the insurance holder does not require to go through any medical screening while purchasing the policy. The insurance company can allow the policyholder to purchase the term plan without medical tests considering the policyholder’s age and the sum assured amount chosen by them.

What tests are done before health insurance?

Medical tests differ from insurer to insurer and plan to plan. However, the common pre-medical tests performed are physical examination, blood test, sugar level, urine test, and ECG and cholesterol level.

Does LIC Tech term need medical test?

Can I buy without the medical test? You can buy LIC Tech Term Plan without undergoing medical examination (non-medical scheme) subject to meeting the following conditions. If you are between 18 and 35 years of age and have annual income > 3 lacs, you can purchase life cover up to 75 lacs without undergoing medicals.

What is pre-policy medical?

Pre-policy medical examination refers to the medical examination requested by health insurers before providing coverage to a person. This is to minimise their risk in covering a person. This is required only for applicants over a specific age.

Does term insurance depend on salary?

It is necessary to submit proof of income as it is important for financial underwriting purposes. Knowing the extent of the policy buyer’s income, the insurance companies determine the maximum life cover they can offer corresponding to a certain premium amount.