See, your insurer will anyways require your medical test results if you are applying for a term plan that requires the applicant to take medical tests. The medical test results will allow them to understand what risk they are taking by insuring you.If you have taken the medical tests within 6 months - 1 year of the term plan application, you may not be required to take the medical tests again* and you just need to submit the test results provided that:Your insurer does not find any cause of concern in the resultsThey are satisfied with all the test resultsYou have taken all the tests that they require you to takeYour health status or lifestyle has not changed over time*varies from insurer to insurerIf you plan to withhold the information of your health condition from your insurer, don’t do so, because withholding information can result in claim denial for your nominees.