Online Term Insurance "HDFC Click 2 Protect" - Do I need to undergo medical test?

[Nilesh]

I am looking to buy an Online Term Insurance "HDFC Click 2 Protect" with 50 Lakhs Sum Assured. Before buying the policy, I spoke to HDFC Customer Care executive and he told me that I need to under go medical test. But I have not gone through any Medical test and policy has been issued. As I am not suffering from any disease as of now I had not mentioned any medical problem while buying policy.

Will not having medical test have any impact while taking the claim of death due to any medical reason?

[Matrix]

No info about medical tests on the HDFC - Click 2 Protect Brochure (http://www.hdfclife.com/sites/HSFCSL/Resources/Products/Downloads/HDFCLIFECLICK2PROTECTplanbrochure.pdf). It's underwriting policy of the company, check with local HDFC Life Office.

[HDFCLife]

Dear sir/madam,

We have noted your query and will respond to you shortly.

Regards
HDFC Life

[HDFCLife]

Dear sir/madam,

Claim processing would be based on the disclosures made at the proposal stage

Regards
HDFC Life

[Manish_Kumar]

Dear sir/madam,

Claim processing would be based on the disclosures made at the proposal stage

Regards
HDFC LifePlease answer the main query - "Online Term Insurance "HDFC Click 2 Protect" - Do I need to undergo medical test?"

[ashutosh103]

Manish any online policy has only once problem it may be the cheapest but it 60 out of a 100 times does not give claims settlement!! check Aegons track record which does 30% of all online policy issuance in India .but has a very bad claim settlement. always provide a medical or declare medical conditions on your policies so that there are no issues when it comes to claim settlement.

[HDFCLife]

Dear Sir/Madam,

Please respond with your contact number to assist you with clarification about click to protect on XXXXXXXXXX at XXXXX dot com

Regards
HDFC Life

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