Term Insurance for NRIs Without Medical Test in UAE

Q: Can NRIs buy term insurance online without undergoing medical tests?

Yes, NRIs can buy term insurance online without undergoing medical tests. However, for this, you must be young and live a healthy lifestyle.

Q: Is there any age limit for NRIs to get term insurance without a medical test?

You need to be younger than 30 years of age to get NRI term coverage without medical.

Q: Are premiums higher for term insurance without medical tests for NRIs?

No, premiums are not higher for term insurance for NRIs without medical tests. A lack of such requirements indicates that you are young and at the right age to buy the plan. It may also indicate a healthy lifestyle.

Are you an NRI looking for a term life insurance policy in the UAE? If yes, are you meeting all the requirements of the policy? Does your policy provider need you to undergo a medical test? Do all the providers need you to go through a medical exam? All these questions might keep you from buying term coverage. But worry not — here’s all you need to know about term insurance for NRIs without a medical test, right from whether it is possible or not!read more

Written ByAashima MongiaContent Writer (Expertise: Term Life Insurance & Investment)

Reviewed ByAtul KathuriaBusiness Head – Term & Investment | Policybazaar.ae

Last updated on 18 July 2025Editorial Standards

Can NRIs Get Term Insurance without Medical Test?

Yes, NRIs can get term insurance without the need for a medical test. Although a medical check-up is typically required, it is not mandatory. If you buy a policy early in life, when you are in good health and leading a healthy lifestyle, several insurance companies may waive the medical test altogether.

Buy term insurance for NRI when you are younger — an age when the premium is affordable, the coverage is high, and there is usually no medical test requirement!

Buy Best Life Insurance Plan in UAE

Some of the best Term Insurance quotes in UAE & Dubai are:

Policy Term

Age

Cover

Payment Frequency

YearlyMonthly

98.1% Claim Settlement Ratio

Term Life Protect

Life Cover (AED)1,000,000

Policy Term (Years)10

Passive War Cover
Pre Existing Disease Coverage
Medical Checkup Not Required
Worldwide Coverage

95% Claim Settlement Ratio

Term Life

Life Cover (AED)1,000,000

Policy Term (Years)10

Worldwide Coverage
Life Cover
Entry Age

98% Claim Settlement Ratio

International Term Assurance

Life Cover (AED)1,000,000

Policy Term (Years)10

Passive War Cover
Pre Existing Disease Coverage: Subject to Approval*
Medical Checkup Not Required
Worldwide Coverage
Critical Illness Cover

98% Claim Settlement Ratio

Live Life Now

Life Cover (AED)1,000,000

Policy Term (Years)10

Worldwide Coverage

98% Claim Settlement Ratio

Critical Illness Protection

Life Cover (AED)1,000,000

Policy Term (Years)10

Worldwide Coverage
Cancer Cover

Benefits of Buying an NRI Insurance Plan without Health Check

NRI term life insurance, whether without a medical exam or with one, offers a plethora of benefits. Coverage and premium, however, can vary depending on the results of medical exams (if required).

This is why insurance experts suggest maintaining a healthy lifestyle and prompt you to buy NRI term insurance at an early age. Here’s what you get when you buy an NRI insurance plan without a health check needed —

Higher Coverage at Affordable Premiums – Buying an NRI term plan without a medical test requirement ensures that you get high life cover while the premiums remain low. This is usually the case when you are young and living a balanced life — the reason why experts always emphasise buying such a plan young.
Financial Security – This pure life plan financially safeguards your family in case something unfortunate happens to you during the policy tenure. The sum assured that the beneficiary gets can be used to lead a decent life or pay outstanding debts. This benefit remains relevant even if the unfortunate happens in the country of your residence, i.e., the UAE.
Rider Benefits – If you buy term insurance for NRI without medical test at a young age, you can also think ahead by adding riders like critical illness benefits or terminal illness benefits — these riders can make your insurance comprehensive. It also ensures that even if you are diagnosed with a critical illness or terminal illness in the future (during the policy tenure), you or the beneficiary will get a lump sum payout easily.

Note – Some insurance policies can have a waiting period. Please read the underwriting and policy document carefully before purchasing.

Factors Influencing the Need for Medical Tests

So far, we’ve understood that the need for a medical test for NRI term insurance depends on factors like age and lifestyle. However, there are some other factors influencing the requirement as well.

Here’s an overview of all the factors influencing the need for medical tests for term coverage —

Age – The older you are, the more the chances of the requirement for a medical test to buy a term insurance policy. If you are under 30, usually there will be no medical requirement. However, if you are above 40 years of age, you may need to undergo a comprehensive medical examination.
Sum Assured – The sum assured plays a significant role in determining whether or not you need a medical test. If coverage is lower, the chances are you might not need a test, especially if you’re young. However, if the coverage is higher, the possibility is that you would need to undergo comprehensive medical examinations.
Pre-existing Medical Conditions – If you have any kind of pre-existing medical condition, you will be asked to go through a medical test before the policy purchase.
Lifestyle – If you are a smoker or consume substances like alcohol or tobacco in any form, you would be asked to undergo comprehensive medical tests. This prerequisite is irrespective of your age. Thus, to get term insurance for an NRI without medical, keep up with a healthy lifestyle.

Click to View Term Insurance Plans

Best Term Insurance for NRI No Medical

Here’s a curated list of the best term insurance for NRIs with no medical requirement, if they are healthy and secure the plan when young —

Plan Name	Features	To Apply
HAYAH Term Life Protect	Inclusions: Death benefit Riders: Temporary life cover benefit Permanent total disability benefit Passive war risk Terminal illness benefit Critical illness benefit Waiver of premium benefit Exclusions: Employment in risky occupations — Pilot, politician, police officer, defence, cabin crew, or sportsperson	View Plans
Zurich International Term Assurance	Inclusions: Death Benefit Riders: Critical illness benefit Waiver of premium benefit Permanent and total disability benefit Terminal illness benefit Exclusions: Employment in high-risk occupations – pilot, defence force, sportsperson, police, politician, or cabin crew	View Plans
Takaful Emarat Fixed Term	Benefits: Shariah-compliant plan Death benefit Riders: Critical illness benefit Terminal illness benefit Exclusions: Active war risks Being employed as a pilot, a sportsperson, a cabin crew, a politician, a police officer, or a defence force	View Plans
Sukoon Life Guard	Benefits: Death benefit Riders: Critical illness benefit (accelerated and additional) Permanent and total disability benefit – accident (accelerated) Accidental death benefit (additional) Hospital indemnity rider Permanent and total disability benefit – accident and sickness (accelerated) Waiver or premium due to permanent and total disability Exclusions: Pre-existing disease Suicide within the first 2 years of the policy issuance	View Plans
MetLife Live Life	Benefits: Death benefit Riders: Second medical opinion Accelerated critical illness benefit Accidental death benefit Permanent total disability benefit Personal accident on life (additional) Hospital care benefit MetLife discount card Accidental terminal illness benefit Waiver of premium benefit War risk Additional care (additional) Exclusions: Death in UN-sanctioned war zones	< View Plans
LIC Life Protection Term Plan 278	Inclusions: Death benefit Riders: Accelerated critical illness benefit Exclusions: Death due to substance abuse Participation in criminal activities Involvement in dangerous sports	View Plans

Where to Buy the Best Term Insurance for NRI with No Medical?

Go no further than Policybazaar.ae to buy NRI insurance without a health check in the UAE. This website offers affordable term plans for the Indian diaspora, offering maximum coverage.

To buy a plan —

1️⃣ Fill in the application form with all the required details

2️⃣ You will be directed to the quotes page — review and compare your options

3️⃣ Go through the policy wording available for each plan if required

4️⃣ Once you make the decision, choose the option to buy and follow the on-screen instructions

Know that the right time to buy term insurance for NRI without medical is now! Click here to explore the Quotes!

Frequently Asked Questions

Yes, NRIs can buy term insurance online without undergoing medical tests. However, for this, you must be young and live a healthy lifestyle.

You need to be younger than 30 years of age to get NRI term coverage without medical.

No, premiums are not higher for term insurance for NRIs without medical tests. A lack of such requirements indicates that you are young and at the right age to buy the plan. It may also indicate a healthy lifestyle.

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