Medical Fitness Certificate for Insurance — Online in 30 Minutes
Life insurance, term plans, health insurance, and group corporate policies often require a medical fitness certificate or health declaration from a registered doctor during the proposal stage. Get yours from an NMC-registered MBBS/MD doctor online in 30 minutes for ₹699.
When Is a Fitness Certificate Required for Insurance?
- Term life insurance above a certain sum assured: Most insurers ask for a medical fitness certificate or CMR (Chief Medical Report) when the sum assured exceeds ₹50 lakh or the applicant is above 45 years.
- Health insurance with pre-existing declaration: Applicants with no pre-existing conditions may submit a fitness certificate in lieu of a full medical check-up at certain insurers.
- Group health / life policy joining: Employees joining a corporate group insurance scheme above a certain sum assured may need an individual fitness certificate.
- Policy revival after lapse: Some insurers require a fresh fitness certificate to revive a lapsed policy.
- Critical illness and disability riders: Adding riders to an existing policy sometimes triggers a fresh health declaration requirement.
Accepted by Major Insurers
Our certificates are from NMC-registered MBBS/MD doctors, satisfying the standard "certificate from a registered medical practitioner" requirement cited in most insurer proposal forms.
What the Certificate States
- Applicant's name, age, and date of examination
- Declaration of general good health / fitness
- No known major illness, communicable disease, or disability
- Doctor's name, MBBS/MD degree, NMC registration number
- Doctor's digital signature and clinic letterhead
- Issued under MoHFW Telemedicine Guidelines 2020
Apply Online — 4 Steps
- Visit easymedicalcertificate.com/apply-certificate → select Fitness Certificate.
- Enter name (as per PAN / Aadhaar), DOB, purpose: Insurance / Policy name.
- Pay ₹699.
- Certificate delivered to WhatsApp + email within 30 minutes.
FAQs
My LIC agent says I need a certificate from a "registered doctor." Does this qualify?
Yes. Our doctors are registered with the National Medical Commission (NMC), which is the statutory body for medical registration in India. This satisfies LIC's and most other insurers' requirement for a "certificate from a registered medical practitioner."
My insurer needs a specific format. Can the certificate be customised?
Our certificate covers all standard health declaration elements. If your insurer has a proprietary form to be filled and signed, contact us via WhatsApp at +919052000669 before applying and we will advise on the best approach.
Is this valid for group insurance joining?
Yes. Corporate group life and health insurance schemes that require individual fitness declarations accept a certificate from any NMC-registered MBBS/MD doctor, which our doctors satisfy.