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.

Cheers!

Asad Akbar