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?