Medical test is one of the most important documents required while purchasing a life insurance.

The reason medical tests are undertaken before buying a term insurance is to determine the health quotient of the applicant. Then, based on the test results, the insurance company gives the applicant a customized insurance plan.

A full medical report includes ECG, fasting blood sugar, blood count and blood pressure tests. In certain cases, like if there’s any history of any illness in the family and/or owing to your lifestyle preferences, the tests may also include certain kidney and liver tests.