If you avoid these tests, then rejection of claim by the insurer stating some pre-existing disease as a reason is high. (policybazaar.com)
Wrong or no information is the most common factor for rejection of claims. (policybazaar.com)
However, is imperative to check the claim settlement ratio of the insurer before buying a term insurance plan in order to avoid rejection of claims in the time of need. (financegab.com)