I am an agent of the Life Insurance Corporation of India (LIC). I motivated a person to buy a life insurance policy and got his ECG done from an LIC-approved doctor before submitting the proposal. The ECG was done before the date of the medical report and proposal form. Now, LIC has asked to repeat the ECG, saying the test should have been done after the date of proposal. Is LIC correct? Should I not write that ECG is valid for 12 months?
Most life insurance companies follow the principle of getting medical tests done through their own list of approved medical practitioners after the insurance proposal is submitted and approved.
The reason for such a practice is to maintain uniformity in all cases and rule out possible errors in medical reports. An ECG report may be valid for 12 months, but a person’s medical health cannot be predicted for the future.
So, even if a medical test is done after a month, results can vary. For this very reason, insurance companies get medical tests conducted only after the submission of the proposal form.
