In most cases, where you don’t have any existing medical conditions and your lifestyle habits are healthy, you don’t have to go for a medical test to buy the policy. If required due to health conditions, you will need to pay for pre-policy medical tests at the network Diagnostic Centres upfront. 50% of the medical test charges will be reimbursed, if your application is accepted. In case the policy is declined after the medical test, then there is no reimbursement of this cost.