The idea of buying a term insurance plan without a medical test sounds tempting — instant approval, no needles, no doctor visits. In today’s world of “one-click everything,” insurers now offer quick online plans where you just fill a form and get covered.
But here’s the catch: what feels easy today may create big trouble for your family tomorrow. With the IRDAI tightening claim settlement norms in 2025, skipping the medical test could increase the risk of claim rejection.
So, should you go for it? Let’s break it down.
Quick Comparison Table
| Feature | With Medical Test | Without Medical Test |
|---|---|---|
| Premium Cost | Lower (accurate risk assessment) | Higher (risk factored in) |
| Claim Approval Rate | Higher | Lower (more disputes possible) |
| Sum Assured | Up to ₹3–5 Cr | Usually capped at ₹25–50 L |
| Buying Process | Slower (medical check-up needed) | Faster (instant approval possible) |
Why Do Insurers Offer No-Medical-Test Plans?
Many Indians hesitate to buy term insurance because of the medical check-up step. To attract more buyers, insurers started offering “no test” policies by relying on:
- Your age, income, and occupation
- Self-declared health details
But since they cannot confirm your health upfront, they:
- Limit the sum assured (usually under ₹50 lakh)
- Charge higher premiums
- Add stricter fine print
When Skipping the Test May Work
- Young, healthy individuals (non-smokers, normal BMI, no family illness history)
- Small coverage needs (₹25–50 lakh only)
- Urgent requirements (e.g., need immediate insurance for bank loan condition)
When a Medical Test Is Better
- You want high coverage (₹1 crore–₹5 crore or more)
- You have risk factors (smoking, high BMI, chronic illness, family medical history)
- You want long-term security with minimal claim disputes
Case Example
Priya, 32, non-smoker, took a ₹40 lakh no-medical-test plan online.
Two years later, she was diagnosed with diabetes. If she passes away, the insurer may investigate whether her condition existed earlier. If records show undiagnosed symptoms, her nominee’s claim could be challenged.
👉 If Priya had taken a medical test at purchase, her health would have been documented — making her family’s claim stronger.
Expert Tip
The medical test is not just for the insurer.
It’s also your proof of honesty and good health when you buy the policy. That proof protects your nominee during claim settlement.
Why It Matters
Skipping the medical test can save you a few hours today, but it may create serious problems for your family tomorrow.
👉 If your goal is high-value, long-term protection, always take the medical test. Fast isn’t always better in life insurance.
Related Reads on eBharat.com
- Endowment vs Term Plan – What’s the Real Difference?
- Best LIC Plans for Middle-Class Families (₹20K–₹50K Income)
- Guaranteed Return Plans – Are They Really Safe?
🩺 Buying a Term Plan? Don’t Skip the Medical Test
Compare India’s top Term Insurance Plans on Insurance+. See premiums, coverage, and claim settlement records before you decide.
👉 Compare Term Insurance Plans on Insurance+
