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Physical medical test vs Tele medical test

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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?

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Term Life Insurance

1 Answer

02 Jul, 2021
Self Employed - Digital Consultant

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.


Asad Akbar

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31 Aug, 2021
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