Best Term Insurance Plans & Required Medical Tests in 2025

When we think about our family’s future, one of the most sensible things that we can do is to buy a term insurance policy. The best term insurance policy secures your family economically even if something untoward happens to you. It gives them a lump sum amount (termed as the death benefit) that can be utilised to repay loans, rent, children’s education, and daily expenses.

By 2025, it has become even easier and faster to buy a term insurance policy. It is possible in most insurance companies now to buy it online, with instant uploading of documents, and even simple medical checkups. You can get schemes, use premium calculators, and choose the best one that suits your requirements from your home itself.

In this blog, we will talk about the best term insurance plans in India in 2025, why they are special, and what medical tests for term insurance you may need before buying a policy.

What Is a Term Insurance Plan?

Term insurance plan is a pure protection plan. That is, it offers your family financial security if you pass away during the term of the policy. But if you live out the entire term, you usually don’t get anything back (except if you choose a “return of premium” feature). The concept of term insurance is simple: to secure the future of your loved ones by paying a minimal premium today. It is one of the cheapest and most effective ways of taking a massive life cover.

For example, a ₹1 crore cover could be available as little as ₹700–₹900 per month to a 30-year-old non-smoker, depending on the insurer and plan choice.

Top Benefits of Term Insurance Plans

• Low Premium, High Coverage: Term insurance plans offer massive life covers at very cheap premiums.
• Protection of Family’s Finances: In case of your untimely death, your family is paid a lump sum amount to take care of all their responsibilities.
• Relief from Taxes: Preemptions made are tax-free under Section 80C, and the death benefit is tax-free under Section 10(10D) of the Income-tax Act.
• Customisation Options: You can opt for riders like accidental death, critical illness, or waiver of premium for enhanced protection.
• Easy to Buy Online: With online premium calculators and digital KYC, buying a policy online is simple and convenient.

Top Term Insurance Plans in India for 2025

Below are some of the top term insurance plans offered in India that are popular in 2025 due to their low premium, claim settlement ratios, and availability of coverage.

1. First-Year Premium: LIC Tech Term Plan

• Why it’s good: LIC’s trust in and high claim experience.
• Coverage: Starts at ₹50 lakh and can go up to ₹10 crore.
• Key Features: Flexibility in paying premiums, online buying, and accidental benefit riders.

2. HDFC Life Click 2 Protect Super

• Why it’s good: Offers stage-wise coverage and a return of premium option.
• Coverage: Flexible sum assured and policy term till age 75.
• Unique Benefit: Increase cover if you marry or have children.

3. ICICI Pru iProtect Smart

• Why it’s good: Includes critical illness and offers flexible payout options.
• Coverage: Maximum of ₹20 crore.
• Unique Benefit: Offers 34 critical illnesses cover as an add-on.

4. Max Life Smart Secure Plus Plan

• Why it’s good: Offers death and terminal illness benefits.
• Coverage: Maximum of ₹1 crore or more.
• Unique Benefit: Get the option to take a monthly income or a lump sum amount.

5. Tata AIA Sampoorna Raksha Supreme

• Why it’s good: Provides flexibility, riders, and a high claim settlement ratio.
• Coverage: Can be taken as per your budgetary requirements.
• Unique Benefit: Opt to include spouses under the same policy.

6. SBI Life eShield Next

• Why it’s good: Strong brand reputation, high claim settlement ratio, and online ease.
• Coverage: ₹50 lakh to ₹10 crore.
• Distinctive Advantage: Level and increasing cover options.

All these schemes have different features, riders, and premium charges. The best method of choosing is comparative, based on your age, salary, family needs, and credit obligations.

Why Medical Tests Are Important for Term Insurance

Before issuing a term plan, insurance providers need to test your health. This helps them ascertain your premium and sum assured. The procedure is simple but very important. Term insurance medical tests ensure that the insurer knows your condition and can price your policy effectively.

Missing out on medical tests may seem simple, but it will create issues later on. If your health information is incorrect, your claim can be delayed or even denied. It’s always safer to opt for complete medical checkups prior to purchasing a policy.

Common Medical Tests for Term Insurance

In 2025, most of companies have simplified the medical tests and made it convenient. Some even provide home collection services.

Below are some of the most fundamental tests that you will most probably be asked to take:

• Blood Test: Examines for sugar, cholesterol, liver function, and infections like HIV or hepatitis.
• Urine Test: Helps check kidney function and sugar levels.
• Blood Pressure Check: Helps ensure your heart health remains stable.
• ECG or Treadmill Test (TMT): For persons above 40 years or with cardiac risk factors, to check on heart activity.
• Height and Weight Test (BMI): To confirm your weight is healthy.
• Lung Function Test: Performed normally if you are a smoker or have breathing issues.
• Eye or Basic Physical Test: Some insurers add general physical tests to check overall health.

Tests help insurers determine your risk level. If you are healthy, as per your reports, then premiums can be low.

Can You Get Term Insurance Without Medical Tests?

Yes, some insurers offer term insurance without medical examinations, especially for young applicants or for small coverage (e.g., ₹25–₹50 lakh). Such policies, however, may carry:

• Higher premiums, or
• Limited claim benefits in the event of unforeseen health conditions in the future.

So, while it is possible to forego tests in some situations, it is always preferable to opt for them for full transparency and reassurance.

How to Prepare for Medical Tests

A few simple steps will help you get accurate results:

• Don’t smoke, drink, or eat heavily at least 24 hours before the test.
• Get a good night’s sleep.
• Have lots of water and stay hydrated.
• Follow fasting guidelines if required (usually 8–10 hours before the test).

How to Choose the Best Term Insurance Policy in 2025

Here are simple tips to lead you to the best option:

• Check Claim Settlement Ratio: Always go for an insurer with a high claim settlement ratio (above 95%). It means that they settle claims quickly and wisely.
• Compare Premiums Online: Utilise a term insurance calculator to compare and verify premiums on different plans.
• Choose the Right Cover Amount: Your cover must ideally be 10–15 times your yearly income.
• Look for Add-Ons (Riders): Add accidental or critical illness riders for added protection.
• Go for Long-Term Coverage. Choose a policy that covers you until age 65 or 70.
• Reviews & Company Reputation: Customer reviews give you genuine feedback on claim servicing and support.

Conclusion

Term insurance buying has never been so convenient, faster, and smarter in 2025. The best term insurance policies offer not only maximum cover but easy digital access, flexible pay-outs, and secure protection for your loved ones. Before buying, make sure you undergo all the medical examinations for term insurance, even the small ones. They build trust between you and the company and ensure your family never has any issues in claiming. Finally, term insurance is not just a policy; it’s a promise to secure your family’s dreams, no matter what lies ahead.