Is a medical exam required in India to obtain term insurance?

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Do I Need To Give A Medical Test For Term
Insurance In India?
When you purchase a term insurance plan, it is
necessary to provide your health status to the
insurer. It would be good if you hand over the
medical test for the term insurance policy.
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What do you mean by medical tests? A medical
test is all about reports of medical samples of
urine, stool, blood, and so on to detect specific
ailments. ECG and BP reports are essential.
Moreover, there are certain tests on the basis of
medical history that will be required. Why is
the medical test essential for a term plan? If
you consult Life Insurance Advisor in Noida
Sector 10, he will tell you that a medical test
is essential for evaluating risk factors. If a
person is fit and disease-free, he has a lower
risk, and moderately it has a low premium amount.
Deciding elements of medical test for insurance
plan We have experts Life Insurance Advisor in
Noida Sector 21 at Bima Plus, and they will give
correct information about deciding elements of
medical test for the insurance policy.
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Age Usually, it is assumed that a young person
is fit and disease-free compared to middle and
old age. Your age is a risk calculator, and you
will get the benefit of a lower premium. At the
time of medical test requirement, the insurance
agency will give preference to your age. Your old
age compels an insurance agency to ask for a
medical test. Medical records if you already
have an existing illness or genetic diseases, the
insurer may request you to provide a medical
test. Your medical test will decide your
resistance and risk to the respective diseases.
You must submit the entire medical records in
your application form. If you fail to submit
information or provide wrong information, it can
cause severe problems. The claim will be rejected
in case if your insurer is not aware of
pre-existing diseases. Sum assured Generally,
higher summer assured policy might ask you to
undergo a medical test. Insurance companies need
medical tests as a safety measure because they
give you a higher sum assured on behalf of big
risk. In such cases, it is recommended that to go
for a medical test. A substantial sum assured is
that your family has finances to survive life
besides with growing inflation rate. Bima Plus
team of Life Insurance Advisor in Noida Sector 2
is here to guide you in detail. However, if you
are opting for term life insurance, make sure to
undergo considerable medical tests
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