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Life insurance is important for protecting your dependent family members during an untimely event. In the UAE, you get numerous options of life insurance plans as per your requirements. However, the cost of your insurance plan in the UAE depends on a few factors that include your health, age, lifestyle habits, occupational risk, sports and activities, etc. The underwriters consider these factors to provide you with the best insurance quotes in UAE. In few cases, you may need to undergo a medical test to avail a life insurance policy.
Often people assume medical tests as an unwanted process and try to avoid it. But if you have a life-threatening health issue or you are susceptible, disclosing it and taking a medical check-up on your insurers’ demand is crucial. You can avail of several term life insurances in UAE without medical tests if you don’t wish to undergo a check-up. The article below depicts the importance of a medical test and various tests required to buy life insurance in the UAE.
The objective of medical tests is to know the details of your health conditions so that the insurers can provide you with the best insurance plan in the UAE. A single plan won’t fit the needs of diverse customers and that’s when your medical check-up becomes crucial. Reasons for you take a medical test while buying life insurance are -
Your insurer may ask for several medical tests depending on your health and any pre-existing conditions. Before asking you to take the check-ups, your insurance provider would undertake a questionnaire relating to your health, activities and lifestyle habits, family medical history, etc. It helps them understand the various test you might need to undergo. Upon auditing your answers, they may ask you to take the following tests -
For serious health issues, they may demand an ECG test report too. The insurance company may ask individuals above the age of 35 years to compulsorily take the medical check-up. However, it depends on the insurer’s discretion and the individual’s health whether to undergo a medical test or not.
Once your medical reports are ready, the insurance company goes through them to provide you with the best insurance plan in UAE according to your needs. Additionally, the medical reports would also help in deciding your insurance quotes accurately.
It can be tempting to buy life insurance in UAE without a medical test for two reasons -
However, to save your time and money, you may risk your insurance altogether. The insurance provider may reject your claim application due to non-disclosure of information in case of death due to pre-existing conditions.
In addition, life insurance without a medical test is a basic plan that won’t provide your family with adequate coverage, eventually making them struggle to meet their expenses. The purpose of your life insurance is to provide comprehensive protection during an unforeseen event. A medical test may impact your policy cost, but it would at least fulfil your insurance objective.
The underwriters design the life insurance plans as per your health conditions and your financial requirements. So it is wise to buy a life insurance plan with a medical test.
Taking medical tests on demand of your insurance provider can benefit you in several ways. It gives an insight into your current health condition that helps underwriters design the best insurance plan suiting your financial needs. Following are the benefits of life insurance with medical tests in the UAE.
The Bottom Line
With a diverse insurance market, individuals have multiple options to select a life insurance plan in UAE that suits their needs. There are life insurance plans with or without the requirements of medical tests. However, if your insurer asks for a medical test, you should undertake the test. It helps them design your insurance the way you need, and you get a higher coverage amount in comparison to basic life insurance without a medical check-up.
If you are still confused about which life insurance to go for, reach out to our support team and get to know about the best life insurance plans in UAE.