Physical medical test vs Tele medical test
01 Jul, 2021 by Shore
I have chosen Bajaj Allianz Life Smart Protect Goal and I have the option to choose physical medical test which entails lower premium vs tele medical test with slightly higher premium.
What is the better option to choose?
There is nothing called a tele medical test. It is only a tele-medical declaration.
A physical medical test, in my opinion, is always better because it is more comprehensive and it puts the ball in the Insurer's court w.r.t all disclosures (known as well as unknown to you). This would keep you in good stead though out the policy course & your nominees in the unfortunate event of a claim.
Always go for a physical medical test, if that's an option.