New Delhi, March 24 -- If you're buying term insurance, the insurer will check your health before giving you coverage. Medical tests help them understand your health and decide how much coverage you can get.

While there is an option to opt out of medical tests, the sum assured may differ based on this choice. In order to secure the best possible coverage, it's important to understand the medical requirements involved.

Here is a checklist of tests that insurers usually require when you buy term insurance, the test varies depending on various factors such as age, the sum assured etc.

This test checks your height and weight to see if you're underweight, overweight or in a healthy range. If it's too high or too low, it could mean health ri...