Term Insurance Without Medical Check Up / Medical Test in India
What is Term Insurance Plan : Term Insurance Policy do not have Maturity or Survival Benefits. Term Insurance Plan is beneficial in case of low Income. Some Term Insurance Plan can give Survival Benefits that are very costly. Term insurance give risk cover in case of any accident happens with policyholder.
There are various type of Term Insurance Policies in India. Policyholder can buy Policy according their choice. If any person want to buy any insurance Plan than insurance company check details about person like age, medical history, job risk, medical screening test. mostly Term Insurance Plans comes with pre Medical Examination. But Some Insurance Plans are avaliable without any medical checkup or Examination.
Insurance Company Insures that Policyholder has good Health and Medically fit. Mostly Policybuyer within age from 20 to 30 years are not required to go for medical Test.
Some Term insurance Plans without Medical Test
LIC’s e-Term Plan : Term Insurance Policy for Non-Smokers for Age Group between 18 Years to 60 Years for a tenure of 10 Years to 35 Years.
Max Life Super Term Plan : Term Insurance Plan for Age Group Between 18 Years to 65 Years. in some cases Policybuyer have to take pre-policy Medical Screening Test.
HDFC Life Click 2 Protect Plus Plan : Term Insurance Plan for Age Group Between 18 Years to 65 Years. Maturity Age for Policy is 75 Years.
ICICI Pru ICare Term Plan :
Met life Term Insurance plan :
Future Generali Smart Life :
Insurance Plans Benefits
Death benefits : Nominees would Receive Death Benefits in case of Policyholder.
Maturity Benefits / Survival Benefits : In case of Survival Benefits Return of Premium with benefits.
Tax Benefits : policyholder will receive Tax Benefits in Income Tax.
Insurance Plan with ‘No Medical Test Required’ have High Premium Rates and Insurance Plan with Medical Checkup have Lowest Premium Rates.
Life Insurance Policy Matured Cash can be Withdrawal after Certain Time Period of Policy Taken. Some life Insurance Policy not allow to withdraw Cash before maturity. Some insurance Policies given Cash value on Maturity or Money Back Plan of Insurance. All Health Insurance Plan required medical Check Up defore Policy Issue.