List of Medical Tests Required for Life Insurance in the UAE

As UAE residents, we understand the importance of life insurance for financial security and peace of mind for our families. 

A key requirement for this is a life insurance test or medical checkup for insurance. With this examination, you get to know if you have any existing medical conditions. For the insurer, the results are useful in fixing your premiums and other policy conditions. 

Let’s find out more about medical tests for life insurance, whether they are mandatory, their benefits, and more!

Are Life Insurance Tests Mandatory?

In the UAE, there are no fixed criteria for determining the price and coverage of life insurance. Insurance companies handle medical requirements differently to attract more clients and boost sales. 

Some providers don’t require medical exams for clients under a certain age, making it easier to get life insurance. Conversely, some companies offer premium discounts to those who undergo medical check up for insurance. The requirement for medical exams depends on the type of insurance plan you choose.

Why Do You Need Insurance Medical Tests?

Here are the reasons why undergoing medical testing for life insurance in the UAE is beneficial —

• Premium Reductions — Insurance premiums in the UAE are based on your health and financial status. The former helps insurers determine the risk involved. 
  Healthy applicants typically receive lower premiums, whereas those with health issues may face higher costs.
• Lower Risk of Claim Rejection — Disclosing accurate medical information during the insurance application process reduces the risk of claim denial later. 
  Concealing health conditions can lead to claims being rejected, affecting around 3% of policyholders.
• Limited Coverage Without Medical Tests — Insurance companies may offer limited coverage to applicants who skip life insurance tests. Full disclosure helps insurers provide adequate coverage for unforeseen medical conditions.
• Assured Amount Determination — Medical tests help insurers find out your health risks and determine the sum assured, which is the amount paid to beneficiaries upon the policyholder's death. Healthy individuals typically qualify for higher assured amounts than those with health concerns.

List of Medical Tests for Insurance Policy

Although the specific checkups may differ, you can check out the key medical tests for life insurance in the UAE —

• Blood pressure
• Blood glucose levels
• Routine urine analysis
• Liver function test
• Chest X-ray
• Blood cholesterol levels or lipid profile
• Body Mass Index (BMI) measurement
• Electrocardiogram (ECG)
• Complete Blood Count (CBC)
• Ultrasonography (USG)

What Aspects of Life Insurance are Affected Due to Medical Tests?

Medical tests affect the following parameters of your life insurance —

• Premium Payable — Medical tests reveal adverse health conditions. The insurance company then adjusts the premium as per the findings of the term insurance medical tests, which may lead to higher premiums due to increased coverage risk.
• Sum Assured — Existing medical conditions detected during health check-ups may result in restricted policy coverage limits. Conversely, a clean and favourable medical report could allow the selection of a higher sum assured for better protection.
• Claim Rejection — With a medical test for insurance policy, your health conditions are established, reducing the likelihood of claim rejection due to undisclosed medical issues. With such transparency, claims are processed smoothly.

What Happens if You Buy Life Insurance Without Medical Tests?

Here are two reasons why it can be useful to buy life insurance in the UAE without a medical test —

• Convenience — Life insurance without medical tests is easier to get. It saves you the time and effort that may be required for the medical examination process.
• Cost Concerns — If diagnosed with pre-existing conditions, medical tests could increase your premium cost.

Important: This convenience comes with risks.  For instance, the insurance provider may reject your claim if death occurs due to undisclosed pre-existing conditions. Additionally, life insurance without a medical test may not provide sufficient coverage. This can leave your family struggling to meet expenses. 

Wrapping Up

Life insurance is meant to offer comprehensive protection during unforeseen events. While a medical test for insurance policy might increase your plan’s cost, it ensures that the insurance meets your objectives. Ultimately, insurance underwriters tailor plans to your health and financial needs. As a health checkup clearly reveals the former, it’s wise to go for life insurance with a medical test.