SBI Term Insurance Without Medical Test

Term insurance is the backbone of financial protection for most families. Naturally, many buyers look for options that are simple, quick, and involve minimal formalities. One common question is whether SBI Term Insurance without medical tests is available.

The short answer is yes, but only in limited cases and specific plans. SBI Life does not broadly waive medical tests across its portfolio. Instead, test requirements depend on the type of plan, coverage amount, age, and underwriting rules.

In this article, we explain how SBI term insurance without a medical test works, which plans qualify, the pros and cons, and when skipping medical tests may or may not be a good idea.

List of SBI Term Insurance Plans Without Medical Test

While most standard term insurance plans require a medical exam, SBI Life offers specific digital and micro-insurance products where medical tests are not mandatory, provided you meet certain criteria. 

• SBI Life – Grameen Bima: A micro-insurance plan that typically requires no medical examination. It is designed for low-income segments with simplified documentation and a maximum sum assured of ₹50,000.
• SBI Life – eShield Insta: A digital-only plan available via the YONO SBI App and marketed as a no medical test option for eligible customers. However, SBI Life still underwrites applications based on health disclosures and may seek additional medical information or tests depending on the case.
• Sampoorn Suraksha (YONO Insta Life Secure): An instant group term plan available on the digital platform that utilizes simplified underwriting and a satisfactory health declaration instead of medical exams.
• Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): A government-backed scheme offered through SBI Life that provides ₹2 lakh cover based solely on a health declaration, with no medical test required. 

Note: Popular plans like eShield Next or Saral Jeevan Bima may also be issued without a medical test if you are young and applying for a low sum assured (typically below ₹25–₹50 lakhs). However, the final decision depends on the insurer's underwriting policy and your declared health history.

Pros and Cons of SBI Term Insurance Without Medical Test

Pros

• Hassle-free Purchase: Since medical tests are not required upfront, the application process is simpler and involves less paperwork.
• Faster Policy Issuance: With fewer steps in underwriting, policies may be issued more quickly compared to plans that require medical examinations.
• Added Convenience: This option works well for people with busy schedules or those who prefer a straightforward buying process with minimal documentation.

Cons

• Higher Premiums: When insurers do not have medical test results, they price the policy more conservatively to account for unknown health risks, which can increase premiums.
• Limited Coverage Options: Term plans issued without medical tests usually cap coverage at around ₹50 lakh and do not allow higher sums assured, like fully underwritten policies.
• Greater Claim Scrutiny: Since health risks are assessed only through declarations, claims may be examined more closely at the time of settlement.

Note: Any non-disclosure, misstatement, or suppression of material facts can lead to policy cancellation or claim rejection. In cases of fraud or misrepresentation, the policy will be treated in accordance with Section 45 of the Insurance Act, 1938, as prescribed by IRDAI.

Things to Consider While Buying SBI Term Insurance Without a Medical Test

01

Health History Must Be Accurate

Honest disclosure of your health history, habits (like smoking or drinking), and pre-existing illnesses is crucial. Inaccuracies can lead to claim rejection later on.

02

Coverage Needs

If your financial responsibilities are high (e.g., mortgage, dependents’ education), it may be better to undergo medical tests for a higher sum assured.

03

Premium vs Risk

Without medical data, insurers price coverage more conservatively, which often results in higher premiums for the same sum assured.

04

Claim Safety

Medical tests not only help in pricing the risk accurately but also make claim settlement smoother, as there is less ambiguity about your health status.

How to Apply for SBI Term Insurance Without a Medical Test Online?

SBI Life term insurance without a medical test is possible through specific digital-only or micro-insurance plans. You can complete the process by following these steps: 

• Select an Eligible Plan: Not all plans waive medical tests. Look for options specifically designed for instant issuance, such as
  • SBI Life – eShield Insta: A fully digital plan available on the YONO SBI app that offers life cover without medical tests or paperwork.
  • SBI Life – Grameen Bima: A micro-insurance plan that uses a satisfactory health declaration instead of medical exams.
  • Sampoorn Suraksha (YONO Insta Life Secure): An instant group term plan with no medical test requirements.
• Access the Portal: Log in to the SBI Life Official Website or use the YONO SBI App for the quickest experience.
• Provide Personal Details: Enter your name, date of birth, contact information, and annual income to get an initial quote.
• Complete the Health Questionnaire: Since there is no physical exam, you must provide a self-declaration of good health. It is critical to accurately disclose existing medical conditions, smoking habits, and family health history to ensure future claims are not rejected.
• Set Policy Parameters: Choose your Sum Assured and Policy Term. Note that plans without medical tests often have lower maximum coverage limits compared to standard plans.
• Upload Documents & Pay: Upload self-attested KYC documents (identity and address proof) and pay the premium online via net banking, UPI, or debit/credit card.
• Instant Issuance: For eligible digital plans, the policy is typically issued instantly and delivered to your registered email address.

Why Choose Ditto for Term Insurance?

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Ditto’s Take on SBI Term Insurance Without Medical Test

While SBI term insurance without a medical test may be convenient, skipping it is not always the best long-term choice. Policies issued after proper medical underwriting are usually more claim-secure and involve fewer chances of disputes. Since insurers organize and bear the cost of these tests, avoiding them offers little real advantage, especially for higher coverage.

No-test plans are typically limited to micro or instant products and may not be sufficient if you have dependents or long-term financial responsibilities. If you qualify for higher coverage, undergoing medical tests is usually the better option. It improves claim safety, and insurers organize and bear the full cost.

Note: SBI is not a partner insurer of Ditto. The information outlined in this article is sourced directly from the insurer’s website and other publicly available sources.