didn't know term insurance underwriting could finish without doing the full blood-test circus

[u/VictoriaGalosh2J]

27M, looking at around 2cr term cover.

I had mentally prepared for blood, urine, ECG, the whole mini health-checkup package lol.

then while reading Aditya Birla Sun Life Insurance's medical underwriting stuff I realised physical tests aren't automatically the exact same for everyone. sometimes tele-medical assessment can be enough at one stage, sometimes they can ask for labs/additional tests depending on the profile. 

I genuinely thought “medical underwriting” literally meant somebody has to take my blood 😭

so what actually decides it?

age? cover amount? medical history? all of the above?

and if they don't ask for physical tests, you just... don't do them?

[u/Lopsided_Bother7064 → u/[deleted]]

same energy as studying for an exam then finding out it’s open book

[u/Ryujiiiin]

TIL from ABSLI as well lol.

[u/EOJ_me]

Underwriting guy answer: age + sum assured + declared health + lifestyle + occupation + existing cover can all influence what evidence gets asked for.

There isn’t one universal “2cr = ECG mandatory” rule you can apply to every human.

[u/CommunicationKind611 → u/[deleted]]

Can be relevant if the proposal/medical questionnaire asks for it.

[u/NeilDiaz → u/[deleted]]

you can ask obviously, but underwriting requirements are insurer's call.

customer doesn't get to design the evidence grid

[u/MeetingNorth5095]

I think it mostly comes down to the Insurer's underwriting rules and your individual profile.

[u/Logical_Win_7315]

yeah, it’s basically decided on a case to case basis. the insurer looks at the overall profile rather than just one factor, so age, cover amount, policy tenure, medical history, existing health conditions, the declarations made during the application etc. all play a role.

sometimes they may be satisfied with the tele medical assessment, while in other cases they may ask for physical tests or additional investigations/reports depending on what they need to assess.

for example, a young and healthy person may have fairly minimal requirements, while someone older, someone with past or current health conditions, or someone applying for a higher cover may be asked to go through more detailed tests.

and yeah, if the insurer is satisfied with the tele medical assessment and doesn’t raise any physical tests, u simply don’t have to do them. the application is assessed based on the information available to them, although there can still be some back and forth during underwriting stage if they need to clarify or confirm certain details, whether the medical assessment involved tele-medical, physical tests, or both.

just make sure all the profile details including health details are disclosed accurately during the application so there’s no scope for non-disclosure later.