By IndiaHub 
In some cases, a company may not insist on a medical test but merely ask the buyer to give a declaration of good health. This can work against you. In case of early death, the company may try to show that the buyer had lied and was already ailing when he bought the policy. If the buyer goes through the medical tests, the onus then shifts to the company and the doctor who conducts the examination. They will not be able to dispute the insurance claim by the policyholder’s nominee. Also, after three years of issuance, no insurer can deny the claim or challenge the disclosed information.