List of Required Medical Tests for Term Insurance in 2025

While purchasing a term insurance plan, you must fill in the application form with information about your personal details, your existing medical conditions, health status, etc. An insurance company will further instruct you to complete several medical examinations so that they corroborate the information you state in your application form.

Here is all you need to know about the list of medical tests for a term insurance plan.

Term insurance is a life insurance product designed to provide financial protection to your loved ones in case of your untimely demise. When you apply for a policy, insurance must evaluate the risks associated with insuring you. Medical tests help insurers:

• These tests reveal an understanding of your current health condition or chronic diseases.
• A healthy individual is less risky to insure, resulting in lower premiums.
• Both parties benefit from accurate health disclosures to avoid complications during claims.
• Based on your health profile, insurers can recommend a policy that meets your needs.

Think of it like this: When buying a used car, you want to check its condition first. Similarly, insurers must know about your health to calculate appropriate premium rates and prevent fraud and misrepresentation.

To ensure accurate results, follow these preparation tips:

• Avoid food or drinks (except water) for 8-12 hours before blood tests.
• Drink plenty of water to make blood draws easier.
• Refrain from consuming alcohol or smoking for 24-48 hours.
• Avoid strenuous exercise 24 hours before tests.
• For blood sugar, strictly follow fasting requirements.
• For ECG, avoid oily skin products on test day.
• For chest X-rays, remove metal jewellery.
• For the urine test, the first morning sample is usually preferred.
• Inform the medical staff about any medications or supplements you are taking.

Once you apply for a term insurance plan, your plan provider will carefully check your application form and documents. Once the verification is complete, the insurer will suggest test centres where you can complete the medical tests required for the term insurance plan. Then, it will help you book an appointment with a test centre that will be convenient for you.

Furthermore, several insurance companies also facilitate home testing facilities. The test centre sends its representatives to obtain samples required to perform the list of medical tests for term insurance plans. Insurance companies bear all the expenses incurred in these procedures.

Understanding the post-test process is important:

• The diagnostic centre sends the reports directly to the insurance company.
• The insurance company evaluates the test results along with your application details.
• Medical underwriters assess health risks.
• Premium rates are calculated based on the findings.
• If all tests are normal, then you get standard rates.
• If some health issues are detected, then you get a higher premium.
• Specific conditions might be excluded from coverage.
• Rejection might happen in case of serious health concerns.

Medical tests help insurance companies make risk perceptions about their customers. They understand your overall fitness and health conditions. Then, according to the result, they proceed with issuing a plan.

For instance, if an insurance company discovers from medical tests that a customer has pre-existing medical conditions, it can reject their application or reassess the premiums required.

Nevertheless, you will also get plans for which you do not need to undergo medical tests required for term insurance plans. However, you may get much lower coverage under those plans.

1. Sum Assured

2. Premium

3. Approval of Claim