Till recently, an applicant for a life insurance policy had to undergo a medical test or physical examination, so as to ensure that the person's health is in good condition and can be insured. This is justifiable, as insurance is a matter of risk that gets higher, if the policy applicant has a poor health. It has been observed that in some cases of higher risk, the insurance providers tend to be reluctant in approving policy applications.
So, medical exam was mandatory for those, who apply
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