Non medical life insurance means that you would not require a medical test when availing the policy as opposed to a traditional Insurance policy which requires a host of medical tests like blood test, blood pressure etc. If there are no tests, the insurer would see the risk as higher and would often collect higher premiums.
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What is Non Medical Insurance?
As the name suggests, non-medical life insurance assumes no medical test when issuing a policy as opposed to a traditional policy where medical tests are required (e.g. blood test, blood pressure, etc.). If there are no tests, insurers see the risk higher and thus often would collect higher premiums for these type of policies. At the same time, there is often a coverage limit on these policies in order to minimize insurance risk.
The policy doesn’t require a medical exam, nor the insurer has to answer any health questions. Even if you are declined a policy during the last two years due to health conditions, you can still avail this policy.
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