Medical Tests for Life Insurance in UAE

Is Medical Examination Mandatory for Life Insurance?

Medical examination for life insurance is not mandatory for all age groups — it is usually required for individuals over the age of 45. It helps in understanding the life assured’s current and potential health conditions. It is a primary factor in determining life insurance premiums and the need for add-ons in the policy.

Importance of Medical Examination for Life Insurance

Medical tests help insurers assess an applicant’s health at the time of applying for life insurance in UAE. The reports of these examinations allow insurers to offer personalised plans at the best possible rates while ensuring transparency in the claims process. 

Discussed below are the key benefits of getting medical tests done for life insurance — 

• Avoid Claim Rejection - Helps detect pre-existing conditions, ensuring accurate coverage and minimising claim disputes
• Risk Assessment - Determines health risks, allowing insurers to offer fair coverage based on medical conditions
• Lower Premiums - Healthier applicants get lower premiums due to reduced hospitalisation risks
• Coverage Adjustments - Identifies health changes that may qualify for better terms or increased coverage
• Policy Customisation - Enables tailored add-ons like critical illness coverage for enhanced protection
• Faster Claims Processing - Reduces delays and rejections by providing complete health information upfront

List of Medical Tests for Life Insurance 

Here is the list of some common medical tests for life insurance —

• Body Mass Index (BMI) – This is considered an indicator of your physical fitness. It compares weight to height and determines if you are underweight, overweight, or obese. 
  BMI is often taken as the benchmark for other routine tests. 
• Urine Test – This medical test helps detect if there are any concerns that could become a critical health issue in the future like diabetes or kidney ailments 
• Blood Test – This medical examination for life insurance provides precise information about your overall health
  The insurer can find out about diabetes, risk factors, and hypertension. The blood test is divided into the following —

  Test Name	Description
  Complete Blood Count (CBC)	Measures haemoglobin, platelets, and white and red blood cell levels — abnormal results may indicate anaemia, infections, or serious conditions like leukaemia.
  Blood Sugar Test	Evaluates glucose levels to detect diabetes and other metabolic disorders, helping assess overall health and blood sugar management.
  Kidney Function Test	Analyses urine and blood samples to check creatinine, urea, and electrolyte levels — poor kidney function may signal future health issues.
  Liver Function Test	Measures liver enzymes and protein levels to detect conditions like hepatitis and assess lifestyle-related health risks.
  Lipid Profile	Determines cholesterol levels, which can indicate the risk of cardiovascular diseases.
  HIV Test	Identifies the presence of HIV and its infection stage — this test is optional and only required if the insurer requests it.

• Chest X-ray – This medical test for life insurance checks the health of your heart, lungs, and bones
  It uses radiation to detect any issues and provides a detailed assessment of your overall health
• Ultrasonography – This test checks the health of major organs and helps detect possible cancerous tumours 
• Comprehensive Trail-Making Test – The trail-making test assesses cognitive function using different tasks and scans to detect brain injuries

When are the Medical Tests for Life Insurance Required?

It’s not always necessary to get a medical test for life insurance, especially for younger applicants. However, most insurers mandate medical tests for those aged 45 and above. Test results determine the premium amount and coverage period. 

Healthy individuals benefit from lower premiums, extended coverage, and higher payout amounts

Factors Affecting Medical Examination for Life Insurance

When applying for term life insurance, medical tests depend on several factors —

• Age – Older applicants usually undergo more medical tests to assess age-related health risks
• Sum Assured – Higher coverage requires detailed tests to evaluate potential risks for the insurer
• Existing Health Conditions – If an applicant has pre-existing conditions, insurers may request additional tests to determine the severity and impact
• Family Medical History – A history of hereditary diseases may lead to further evaluations to assess genetic risk
• Lifestyle Choices – Smoking, alcohol consumption, and high-risk occupations can lead to extra health screenings

These factors help insurers determine eligibility, coverage, and premium costs while ensuring appropriate protection for policyholders

Frequently Asked Questions

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