Just like how wealth creation is an important aspect of your life, ensuring that your loved ones continue to stay protected financially even in your absence should also be a priority. But then, how do you ensure that? Through a term insurance plan, of course!

Usually, when you apply for a term insurance plan, insurance providers generally require you to undergo a comprehensive medical test. This is done to get a fair idea of the applicant’s current health.

However, if you’re an individual who prefers not to take a medical test for personal or privacy reasons, don’t worry. You can still avail a term insurance plan without a medical test. Continue reading to find out more about this.

How does Term Insurance without a Medical Test Work?

Now, when you apply for a term insurance policy, the insurance service provider does not grant you the policy immediately. Instead, they would require you to take a comprehensive medical test that assesses several health and medical parameters.

However, in term life insurance with no medical exam, the insurer will only take your age and the amount of coverage that you’ve opted for into consideration. And in this case, the term insurance policy is usually granted to you as soon as you apply for it.

That said, you can only opt for a term insurance plan without undergoing a medical test only if you are a healthy individual with no medical or health conditions and ailments. On the contrary, if you have any health conditions, the insurer may require you to undergo a medical test.

Key Features of Term Insurance without a Medical Test

Let’s get to know more about term insurance sans a medical test. Here’s a quick look at a few of the key features that this kind of policy offers.

                  1.  No Need for a Medical Test

As you’ve already seen above, you don’t have to undergo any medical tests whatsoever. So, if you’re an individual who prefers to not reveal your medical information, term life insurance without a medical exam is the perfect option for you.

                   2.Flexibility to Choose the Premium Payment Term

With such term insurance plans, you can choose the premium payment term according to your needs and requirements. For instance, you can choose to pay premiums till the end of the policy tenure or opt for a limited premium payment term.

                   3. Ability to Enhance Coverage

Another major feature of a term life plan with no medical exam is that you can enhance the coverage that it offers by opting for riders. Riders are add-ons that provide additional benefits and increase the coverage offered by the plan.

Benefits of Term Insurance without a Medical Test

A term life plan without a medical exam offers a host of different benefits to the policyholder. Check out a few of the most important term plan benefits down below.

        1.Helps Your Family Lead a Comfortable Life

In a term insurance plan, the insurance provider will make a lump sum death benefit payout to your family in the event of your untimely demise. This payout can be used by your family to lead a financially comfortable life even in your absence.

        2.Comes with Tax Benefits

The premiums that you pay towards a term plan without a medical test can be claimed as deductions under section 80C of the Income Tax Act, 1961. According to this section, you can claim up to Rs. 1.5 lakhs per year as deductions from your total taxable income, helping you save tax.

         3.You Can Get Your Premiums Back on Maturity

Opting for a return of premium rider at the time of purchase of the term life insurance plan allows you to get back all of the premiums that you paid on maturity of the policy.

Reasons to Opt for a Term Insurance without a Medical Test

There are plenty of benefits that you stand to gain by simply opting for such a term insurance plan. Here’s a quick look at a few of the most important reasons why you should opt for one right away.

            1.It is Highly Affordable

This is single handedly the best reason why you should opt for such a term insurance plan. The premiums that you’re required to pay towards the policy is very low, making it one of the most affordable insurance plans in the market.

            2.Gives You Peace of Mind

Thanks to term insurance without a medical test, you don’t have to worry about your family’s future after you’re long gone. The payout that they receive can be used by them to lead their lives as and how they wish.                   

            3.The Application Process is Simple and Easy

Applying for a term insurance plan is extremely simple and hassle-free. What’s more? Since there’s no medical test, you can purchase it online from the comfort of your own home within just a few minutes.

Things to Keep in Mind When You Buy Term Insurance without a Medical Test

Before you head out to purchase a term plan sans a medical test, there are certain things that you should consider. Wondering what they are? Let’s take a quick glimpse of a few of the factors.


  • Choose the amount of coverage that you need under the term plan only after carefully considering the needs and future financial goals of your family.

  • Always make sure to compare different term insurance plans to ensure that you choose one that fits your needs.

  • Make it a point to disclose all health conditions at the time of purchase itself to prevent claim rejections in the future.

  • If you have any lifestyle habits like smoking or drinking alcohol, the premiums that you would have to pay for your term plan may likely be higher.


How to File a Claim?

All that you need to do to file a term insurance claim is follow the below mentioned steps. The entire process is easy and can be completed within a few minutes.


  1. The first step is to notify the insurance provider of the policyholder’s death.

  2. Once you’ve notified the insurer, the next step is to register the claim online.

  3. Visit your insurance provider’s website and lodge the claim by filling up the claim application form.

  4. Once you’ve filled the form up, you will be asked to attach certain supporting documents like the death certificate of the policyholder and the policy document, among others.

  5. Upon attaching all the necessary documents, submit the application form online.

  6. The claim will be verified by the insurer and upon successful verification, the sum assured will be paid out to you.



Although many life insurers offer term life insurance with no medical exam, there are a few of them who still require you to take a medical test. Therefore, before you go ahead and apply for one, make sure to read through the terms and conditions laid out by the insurers.


Alternatively, you can also visit the Bajaj Markets website to get to know about all the different kinds of term life insurance without medical exams. You can also compare the various plans to help you determine the one that fits your requirements.



 No. There are quite a few term insurance plans that don’t require you to undergo a medical exam.


 Yes, irrespective of the kind of term insurance plan that you choose, you should always disclose all of your existing health conditions truthfully.

 Withholding information with respect to health conditions can lead to an insurance claim rejection in the future.  

 Yes. You can opt for a limited premium payment term even if you opt for a term plan without a medical exam.   

 No. You don’t have to pay any extra premiums for not undergoing medical tests.

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