Article

Medical Test
June 07 , 2012

If you take a worthwhile Life Insurance policy (i.e. with a insurance value equal to or greater than your annual income), you are likely to have a compulsory Medical Test. This is done so that the Insurance company is satisfied it is not taking undue risk in insuring your life. Nowadays, most medical tests are smooth 45 min processes that can be completed in the comfort of your own home. A doctor nominated by the Insurance Company visits you to take blood, urine and ECG tests, besides the routine blood pressure and weight / height measurements. You need to be in fasting to be ready for this test.

An unfortunate market practice seen occasionally is that of insurance agents advertising No Medical Test Needed as if that were a big advantage for you in buying a policy. Instead, this means that the policy that you are taking has no or very low insurance cover. Such a policy isnt worth taking anyway! Remember, any life insurance policy worth its salt will name will have this painless medical test as a requirement. Medical insurance policies started by people over 45 years of age too will have this requirement.

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