What If You Fail Your Term Insurance Medical Test?

What If You Fail Your Term Insurance Medical Test?

A medical test for term insurance is similar to a quick health check that helps insurers assess your overall health. Sometimes, minor issues such as slightly elevated blood pressure or an error in your details can cause a failed test. 

While IRDAI mentions that medical exams may be required, the final decision rests with your insurer. These tests help decide your health risk and the premium, especially for older applicants.

Introduction

Worried about not passing your term insurance medical test? You’re not the only one. Even small health issues or medical report errors can affect approval. The good news is that most of them can be fixed. At Ditto, we help you understand the problem and guide you toward a smooth approval.

This guide helps you understand:

• What happens if you fail your term insurance medical test 
• What common mistakes should you avoid while taking your test
• How can you prevent medical report mistakes

Friendly reminder: It’s easy to get lost comparing policies and premiums. Instead of spending hours on it, why not get personalised insurance advice from Ditto? We offer free consultations with zero spam! Just 30 minutes to clarify all your doubts. Book a call now!

What Happens If Your Term Insurance Medical Test Fails?

If you fail the medical test, it doesn’t always mean your policy will be rejected. Here’s what can happen next:

1. Same plan, higher premium: If you have mild issues like slightly high cholesterol or blood pressure, the insurer may still approve your plan, but at a higher premium: loading charges.
2. Reduced coverage: For moderate risks, the insurer may not reject your application but offer you a lower term coverage.
3. Policy rejection: If you have major health issues like severe diabetes or heart disease, your application might be declined. You can still check with other insurers open to higher-risk profiles.

Point To Be Noted:
Before an insurer approves your term insurance application, they’ll usually ask you to undergo a few health checks. Learn more about the full-term insurance medical test you may have to undergo.

How to Prevent Medical Report Mistakes?

Even small errors in your medical report can lead to confusion or delays in policy approval. Here’s how you can avoid them:

1. Share Complete Health Details: Always give full and honest information about your health and medical history. This avoids claim issues later.
2. Check All Information Carefully: Review your name, age, and medical details before submitting the form to prevent errors.
3. Follow Pre-Test Instructions: If your insurer's doctor or lab advises fasting for a certain period (typically 9-12 hours) before the test, it's crucial to follow those instructions to ensure the most accurate readings.
4. Pick a Reliable Lab: Choose insurer-approved or reputed diagnostic centers for proper testing and correct reports.
5. Rest Well Before the Test: Get enough sleep and stay calm. Tiredness or stress can affect your sugar, BP, or heart readings.

Take Note: Always keep both digital and paper copies of your test reports and insurer emails. They help if you need clarification, corrections, or a second opinion later.

Ditto’s Take on Term Insurance Medical Test

Sometimes, even if your medical tests look fine, insurers may still reject your application. That’s because they also check your future health risks. So, it helps to get your own health tests done first and fix any issues before applying. This can lower your premium or prevent rejection.

Be honest about smoking or drinking habits (both past and present), and do not lie about your health status since insurers verify your reports. But don’t share unnecessary details, just answer what’s asked.

Why Talk to Ditto for Your Term Insurance?

At Ditto, we’ve assisted over 7,00,000 customers with choosing the right insurance policy. Why customers like Arun below love us:

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Final Thoughts

If you’ve been sick recently and you think you’ll be healthier in a month or two, wait before applying. It gives you time to improve your fitness and be fully ready for term insurance.

Still unsure about purchasing a term plan? Book a free call with us and let our experts guide you in making an informed decision.

Frequently Asked Questions