No medical check-up in Aviva i-Life Online Term : Will there be any problem later on in claim due to this?

[Amit Kaushik]

I am looking to buy Aviva i-Life Online Term Insurance policy for 50 lakh Sum Insured. I had checked with the customer care of the Aviva and they told me that no medical check-up is required for my age 31.

1- I want they do the check-up. Is there anyway I undergo medical check-up?
2- I am ready to pay the cost of the medicals on my own.
3- Will there be any problem later on in claim due to this?

[Rahul]

I am looking to buy Aviva i-Life Online Term Insurance policy for 50 lakh Sum Insured. I had checked with the customer care of the Aviva and they told me that no medical check-up is required for my age 31.

1- I want they do the check-up. Is there anyway I undergo medical check-up?

If it is not the requirement of the policy than I am afraid you can't.



2- I am ready to pay the cost of the medicals on my own.

But if you want to submit your medical report with the proposal form, you can do it at your own cost.



3- Will there be any problem later on in claim due to this?

No issues, if you submit all the details about your present health and all other relevant details with the proposal form. Also read this article (http://www.policywala.com/content.php/342-Why-online-term-insurance-claims-got-rejected).