4. Not Enough Cover Provided

These insurers who don’t opt for a medical test takes an unjust amount from you and yields a relatively small amount as well that are these policies are of low value plan. If you are young and below 30 years; pursuing a good health, no insurer can offer you a cover of more than 5 lakh without a medical test for those of the age 30-40 years, the health insurance will be of 2 lakh. Such low-value plans may not cover all the insurance needs. Aneesh Khanna, Senior Vice President and Head of marketing and product management od IDBI Federal Life Insurance says, “If someone wants a higher cover, he should look for a pure protection plan, which will require him to undergo medical tests.”