When buying life insurance in India, especially term insurance, medical tests are typically required to assess your health and determine the premium you will pay. These tests help insurers evaluate the risk of insuring you and ensure that the policy covers your actual health condition.

Common Medical Tests:

1. Basic Health Checks: This usually includes measuring your height, weight, and Body Mass Index (BMI).
2. Blood Tests: These can include a Complete Blood Count (CBC), fasting blood sugar, lipid profile, and liver and kidney function tests.
3. Urine Tests: These assess kidney function and may also measure cotinine levels to check for nicotine use.
4. Cardiac Assessments: Depending on your age and health, tests like an ECG or treadmill test might be required.
5. Additional Tests: For higher sum assured policies, tests for HIV, hepatitis, and other specific conditions may also be necessary.

These tests are crucial as they help determine the appropriate premium and coverage for your policy. Moreover, they reduce the likelihood of claim rejections due to undisclosed pre-existing conditions.

Insurers may waive these tests for lower coverage amounts, but having a comprehensive medical check-up generally benefits you by ensuring accurate coverage. For a seamless process, some companies even offer at-home testing options.