Medical Exams for LIC Insurance. Complete Guide

When is a Medical Exam Required?

Not everyone needs a medical exam. LIC has 'non-medical' limits that depend on your age and the sum assured you're applying for. Below these limits, you just need to fill a health declaration form.

• •Under 35 years: Usually no medical for sum assured up to ₹25 lakh (standard plans)
• •35-45 years: Non-medical limit typically ₹10-15 lakh
• •45-50 years: Medical exam usually required for most sum assured levels
• •Above 50 years: Medical exam almost always required
• •Very high sum assured (₹50L+): Medical required regardless of age
• •Note: Exact limits vary by plan and can change. Your agent will confirm.

What Tests Are Done?

LIC uses empanelled doctors and hospitals. The tests vary based on your age and sum assured:

• •Basic medical: Blood pressure, height, weight, pulse, general physical exam
• •Blood tests: Blood sugar (fasting & PP), complete blood count, liver function, kidney function, cholesterol
• •Urine test: Routine urine analysis
• •ECG: Required for age 35+ or high sum assured. Records heart's electrical activity.
• •TMT (Treadmill Test): Required for age 45+ or very high sum assured. Tests heart under stress.
• •Chest X-ray: May be required for age 45+ or if doctor recommends
• •Special tests: HIV, Hepatitis B, specific tests if medical history warrants

How to Prepare for the Medical Exam

Simple tips to ensure accurate results:

• •Fast for 10-12 hours before the exam (water is okay)
• •Avoid alcohol for at least 48 hours before
• •Get a good night's sleep the night before
• •Don't exercise heavily on exam day morning
• •Carry a list of any medications you take regularly
• •Carry your Aadhaar card and policy proposal form
• •If you have existing reports (recent blood work, etc.), bring them

What if Results Aren't Perfect?

Having a health condition doesn't mean you can't get insurance. Here's what typically happens:

• •Minor issues (slightly high BP, borderline sugar): Policy may be issued with a small extra premium (loading)
• •Moderate issues (controlled diabetes, mild obesity): Policy issued with higher premium loading (10-25% extra)
• •Significant issues (heart condition, major illness history): Policy may be declined or offered with heavy loading
• •Smoking/tobacco: Premiums are typically 30-50% higher than non-smokers
• •Being healthy and young: You may get preferential (lower) rates!

LIC's Empanelled Doctors and Hospitals

LIC has a network of empanelled doctors and hospitals across India. Your agent will arrange the medical exam at a location convenient to you. The cost of the medical exam is borne by LIC. you don't pay anything.

The entire process usually takes 1-2 hours. Results typically come back within 3-7 days. Once results are clear, your policy is processed.