Medical Test. This is done to refine the analysis of the risk taken by the company. If you adopt a cynical attitude, you will think that the medical test is unnecessary and just a way for the company to increase the premium (yes, there have been instances in which companies have done that in the name of increased nicotine levels or borderline hypertension or borderline high blood sugar or similar, but in most cases they will just ask for an increased premium and not rejecting it). If the company has increased the premium, then it is all the more good because if a claim is filed, then the company cannot say that this was not disclosed or that was not disclosed, etc. In short, if the company does not ask for a medical test, no problem. If it ask for a medical test, and does not increase the premium – good again. And if it increases the premium- still good. If it rejects because of the medical test, then its a problem and you will need to find out why that is so (also, this may be asked in later policies).