Medical Tests for Term Insurance: What You Need to Know Before You Sign the Dotted Line!

Why Are Medical Tests Required for Term Insurance?

Insurance companies need to assess your health before issuing a term insurance policy. Here's why:

• Risk Assessment: Medical reports help insurers evaluate the likelihood of a claim during the policy tenure.
• Accurate Premium Calculation: A healthier applicant may pay lower premiums compared to someone with pre-existing health conditions.
• Avoid Claim Rejection: Non-disclosure of medical conditions can lead to disputes or even claim rejections later on, which will have to be handled by your family in your absence

At Jio Insurance Broking, we guide you through this process, making sure you're aware, prepared, and supported every step of the way.

When Are Medical Tests Required?

Not all term insurance policies demand tests — it depends on several factors:

• Sum Assured: Higher cover amounts usually require thorough testing.
• Age: Applicants above 35–40 years are generally asked to undergo health check-ups.
• Lifestyle Factors: Smokers, drinkers, or those with a sedentary lifestyle might be required to undergo additional tests.
• Medical History: A history of chronic illness in your family or your own previous ailments can trigger medical scrutiny.

So even if you're young and healthy, going for a medical test can ensure that your term insurance is foolproof and your premiums are rightly priced.

Complete List of Common Medical Tests for Term Insurance

Here’s a list of commonly required medical tests across most insurance providers:

Blood Pressure and Pulse Rate Test

High blood pressure can indicate cardiovascular risk. Insurers check if your blood pressure falls within a healthy range.

Blood Test (CBC)

A Complete Blood Count helps detect underlying health issues like infections, anaemia, or blood disorders.

Blood Sugar Test (Fasting/PP)

This helps assess the risk or presence of diabetes, which impacts insurance risk evaluation.

Lipid Profile

It checks cholesterol and triglyceride levels. High cholesterol is linked to heart disease — a critical factor for insurers.

Liver Function Test (LFT)

This assesses the health of your liver and can highlight any damage or infection.

Kidney Function Test (KFT)

It checks how efficiently your kidneys are working and if there's any dysfunction.

Urine Test

Used to detect diabetes, infections, and kidney conditions.

Electrocardiogram (ECG)

This test records the electrical activity of your heart and detects irregularities or past cardiac events.

Chest X-Ray

Used to identify issues like lung infections, heart enlargement, or other abnormalities.

HIV, Hepatitis B & C Tests

Insurers check for these infectious diseases as they significantly impact life expectancy.

Treadmill Test (in some cases)

For applicants above 50 or those with known heart risks, a treadmill test may be prescribed.

What Happens If You Skip the Tests?

Some online policies claim “no medical test required,” but beware — they usually offer:

• Lower sum assured (not suitable for long-term needs)
• Higher premiums for the same cover
• Potential claim disputes, as the insurer might challenge the claim citing non-disclosure

When you opt for a term plan through Jio Insurance Broking, our experts will advise you on whether a medical test is needed and help schedule it with ease.

Tips to Prepare for the Tests

• Fast for 8–10 hours before blood sugar and lipid profile tests
• Avoid alcohol and heavy meals the night before
• Get a good night’s sleep to ensure accurate BP and ECG results
• Stay hydrated and relaxed

These simple steps ensure accurate test results and prevent unnecessary policy delays or premium hikes.

How Jio Insurance Broking Helps

At Jio Insurance Broking, we believe in simplifying insurance for you. When you apply for a term insurance policy through us:

• We help you select the best plan based on your health, lifestyle, and needs.
• We coordinate with diagnostic centres for your medical tests.
• We ensure complete transparency so that there are no surprises at the time of claim.

Medical tests are not a hurdle — they’re a gateway to better protection and peace of mind. They allow insurers to give you the right plan, at the right price, with assured confidence. Whether you’re applying for the first time or switching policies, embrace the tests as part of your journey toward a safer financial future.

Explore term plans with Jio Insurance Broking — because every smart decision starts with clarity, not confusion.

Ready to get covered?

Get in touch with Jio Insurance Broking today and let our experts guide you to the perfect term insurance policy.