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    Why Medical Tests Are Essential When Buying a Critical Illness Policy

    Last Updated On 15-02-2021

    Our way of life has led to an alarming increase in the risk of lifestyle diseases today. Stroke, heart disease, cancer, diabetes, kidney failure, and other ailments are impacting more and more Indians every year. Sedentary lifestyles, the food we eat and even the air we breathe are all contributing to an epidemic of non-communicable diseases. Some estimates indicate that one out of four Indians is at risk of dying from such diseases before reaching the age of 70. What is more, the cost of treating these cases can rise to many lakhs, potentially wiping out your family’s life savings.

    The financial damage can be extreme. Even after initial recovery from an illness, the patient may be unable to work. The result is a loss of their regular income, as well as further expenses incurred due to frequent hospital visits and the alarming cost of treatment necessary to achieve a full recovery. Your regular term insurance or health plan, such as mediclaim, does not protect you against the rapidly increasing costs of a sudden health crisis. For this reason, it is important that you secure the protection of a critical illness policy.

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    What is critical illness insurance?

    Critical illness insurance acts as additional protection to the cover provided by your regular health plan. It provides you with a lump sum, payable to the insurer, to cover all the costs of medical bills, hospitalization, surgery and recuperation. It covers up to 40 critical illnesses. Once you have been diagnosed with any of the diseases covered by the policy, and certain conditions have been met, the full lump sum is disbursed. As well as the costs of treatment, this lump sum can be used for your family’s daily expenses.

    Processing a claim on a critical illness policy is straightforward, as it is based solely on the diagnosis report provided by the medical professional. There is no need to attach the medical bills to the claim. Once the lump sum has been paid out, the policy terminates. A critical illness plan is therefore sure to give you and your family peace of mind.

    Why take a medical exam before purchasing critical illness cover?

    Before purchasing a critical illness insurance policy, you will be well advised to undertake a medical examination. Although some insurers will issue policies without requiring medical tests, the premiums on these policies are likely to be lower. However, the sum assured will also be low - probably too low to cover the possible costs a patient will incur.

    Having a medical examination before signing up for a critical illness policy provides the insurer with a clear indication of the level of risk you present. Your health condition provides them with a good idea of how likely you are to make a claim against the policy. The typical tests you can expect during the medical examination include an electrocardiogram to check for possible heart disease, blood tests to look for conditions like HIV and hepatitis, a cholesterol level check as an indicator of kidney and liver function, a smoker test, and a urinalysis.

    The insurer will also look beyond the examination and consider basic factors, such as your height, weight and age. Additional factors the insurer will consider are:

    1. Your medical history and the history of your close relatives,

    2. Your occupation,

    3. Lifestyle and hobbies to determine whether you smoke or indulge in dangerous sports,

    4. Where you live and work.

    Some tests the insurance company may require will depend on what you declared on your application form. If, for example, you state that you are diabetic, the insurance company may require you to take tests to establish your blood sugar level. This will show whether the diabetes can be controlled with medication, thus limiting the prospects of it worsening. It is vital that you provide honest answers to the medical questions in the application form. Failure to disclose a particular condition could result in the insurance company rejecting your claim. If you failed to declare that you had diabetes and then found that you were suffering from related kidney damage, a claim for treatment could be denied.

    A critical illness insurance policy is a crucial element of the medical safety net you want to provide for your family. Such a policy will ensure you receive the treatment you need in the event of your contracting a serious illness and provide your family with living expenses while you focus on recuperation with peace of mind. Talk to a financial advisor about the best critical illness policy for your family.

    Browse the website to know more about Term Insurance, Term Plans, Long Term Savings offered by PNB MetLife.



    The aforesaid article presents the view of an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability or medical complications incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ health advisor before making any decision.

    PNB MetLife India Insurance Company Limited
    Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka
    IRDAI Registration number 117 | CIN U66010KA2001PLC028883
    For more details on risk factors, please read the sales brochure and the terms and conditions of the policy, carefully before concluding the sale.
    Goods and Services Tax (GST) shall be levied as per prevailing tax laws which are subject to change from time to time.
    The marks "PNB" and "MetLife" are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
    Call us Toll-free at 1-800-425-6969, Phone: 080-66006969, Website:, Email: or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203.


    Beware of Spurious Phone Calls and Fictitious / Fraudulent Offers!
    IRDAI is not involved in activities like selling insurance policies, announcing bonus or investments of premium. Public receiving such phone calls are requested to lodge a police complaint.



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    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at or You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

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