Medical Test for Life Insurance UAE

Importance of Medical Tests for Life Insurance

Medical tests protect you and your family in ways that most don’t realise. Let’s break down the pain points and see why they matter —

1. Avoid Claim Rejection

One of the biggest fears people in the UAE have is: “Will my insurance company pay my family without issues when I am gone?”

• If your medical history is not clear, insurers may reject a claim later.
• A significant number of claims in the UAE get denied because of the non-disclosure of health conditions.
• A medical check up for life insurance ensures that everything is recorded upfront, so your loved ones never face the stress of a rejected claim.

2. Right Estimation of Premium and Coverage

Tests provide an accurate record of your health at the time of policy purchase. This helps insurers offer coverage that is suitable and customised to your needs. Medical insurance tests help evaluate the risk of premature demise to further decide fair premiums and coverage amounts.

3. Tailored Add-Ons

Medical tests also open doors to policy customisation. Based on your health, you can get critical illness cover (for conditions like cancer or heart disease) or waiver of premium riders in case of disability.

4. Faster Claim Settlement for Families

When everything is transparent at the start, insurers don’t need to investigate much later. This means faster claim approvals. Your family won’t have to wait for months or deal with extra paperwork

What Medical Tests are Required for Life Insurance?

Here are the most common medical insurance tests in UAE that help the insurer understand your health and offer the right coverage —

1. Body Mass Index (BMI)

• Measures your height and weight to determine if you are underweight, overweight, or healthy.
• BMI is often used as a starting point to assess your overall fitness and guide further tests.

2. Urine Test

• Detects early signs of kidney problems, diabetes, or other health issues.
• Helps insurers identify conditions that could affect your coverage.

3. Blood Test

A blood test provides a detailed overview of your health. Common checks include —

• Complete Blood Count (CBC): Checks for infections, anaemia, or other blood-related problems.
• Blood Sugar Test: Detects diabetes and helps understand your risk for metabolic conditions.
• Kidney Function Test: Measures creatinine, urea, and electrolytes to assess kidney health.
• Liver Function Test: Identifies liver issues such as hepatitis or lifestyle-related problems.
• Lipid Profile: Measures cholesterol to evaluate risk for heart disease.
• HIV Test: Done only if required by the insurer for specific policies.

4. Chest X-ray

• Examines your lungs, heart, and bones to detect underlying issues.
• Helps insurers evaluate your overall health and potential risks.

5. Ultrasonography

• Scans major organs like the liver, kidneys, and abdomen.
• It can detect tumours or other serious conditions early.

6. Trail-Making Test

• A cognitive test to check memory, attention, and problem-solving abilities.
• Ensures your brain function is normal, especially for older applicants.

When Are Medical Tests Required for Life Insurance?

Not every applicant needs to undergo a medical check up for life insurance. Insurers in the UAE usually require tests in these situations —

• Age above 45: Older applicants face more health risks, so tests are often mandatory.
• High Sum Assured: Policies with large coverage amounts require a thorough health assessment.
• Existing Health Conditions: If you have pre-existing medical conditions, insurers may request additional tests.
• Family History: If hereditary diseases are present in your family, extra checks may be needed.
• Lifestyle Factors: Habits like smoking, alcohol use, or high-risk jobs can trigger the need for more tests.

Can You Get Life Insurance Without Medical Test?

Yes, some insurers in the UAE, like MetLife Future Protect, offer life insurance without a medical test, by making you fill out a health questionnaire. But here’s what you should know —

• Coverage is usually limited
• Premiums are often higher because the insurer takes more risk
• Claim disputes may happen if health problems are undisclosed

That’s why experts recommend going for a medical check-up for life insurance whenever possible.

Secure Your Life Insurance Easily with PolicybazaarInsurance.ae

If you’re looking to buy life insurance in the UAE and want the best options based on your health, PolicybazaarInsurance.ae makes it simple. Our platform helps you compare top insurers, check coverage, and choose a policy that suits your family’s needs.

• Compare Plans Instantly: See premiums, sum assured, and add-ons from multiple UAE insurers.
• Get Expert Guidance: Understand which medical tests are required and how they impact your coverage.
• Quick & Transparent: Apply online with clear information and avoid surprises during claims.

Wrapping Up

Buying life insurance in the UAE is one of the best ways to secure your family’s future. A medical test for life insurance may feel like an extra step, but it actually helps you get the right coverage, lower premiums, and smooth claim processing.

If you are healthy, your reports will only work in your favour. And if you do have health conditions, your insurer should know, so your policy is transparent and safe.

Frequently Asked Questions