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Why is a Medical Test Important for Term Insurance?

Term plan can be your #backupPlan in case of your untimely death, taking care of all your financial responsibilities like your children’s education, mortgage liability, funeral costs, etc. However, as part of the purchase process you are required to have a medical test. While you’d think that it is convenient to buy an insurance policy that doesn’t require a prior medical test, it might not always be as simple as that.

Claim Rejection

While not informing the insurance company about your health condition may seem like a small deal but it is easier said than done. Filling your application requires you to state your health condition which, if proven wrong, may end up getting your claim rejected.

Lower Coverage

Policies made available without a prior health check-up are bound to offer lower coverage as compared to those that are given only with a health certificate as the insurance company has to compensate for the risk associated with unknown health issues that may have been uncovered during a medical test.


While purchasing a policy that requires mandatory health check-ups, your good health can get your premiums lowered a great deal. A person with health complications, on the other hand, would have to pay a higher premium. In the case where a policy is issued without the check-up both – a person with good health and a person with health complications - would pay the same premium amount, leading to no benefit for good health.

A medical test therefore, can be of great help when purchasing a term insurance plan.

Max Whole Life Super Plan (UIN: 104N080V02) is a Traditional Participating Whole Life Insurance Plan.
Max Life Super Term Plan (UIN: 104N086V02) is a Traditional, Non - Participating, Regular Pay Term Insurance Plan.
Life Insurance coverage is available in these products.


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