I purchased Aviva Term plan SA-50L , term 35 year and they gave me term policy without any medical test. so here is my question : as i have given all my medical related information correct as per my knowledge but it might be possible that i am not aware of any big diseases so can they question during claim that i have not given the correct information?
when i asked to customer care i got this reply :
We would like to inform you that as per process and underwriting dercision there are no medical test conducted for Sum Assured less than or equal to 50,00,000 if life assured is below 35 years of age.
Further, the Sum Assured will be payable provided there is no non-disclosure or misrepresentation at proposal stage.
so please share your opinion on this .