Usually, applying for a health insurance policy entails routine medical tests depending on the age of the applicant and these include blood and urine sugar, blood pressure, ECG and eye examinations. Depending on the insurer’s terms, this cost may be borne by the insurer or the insured. Even though some insurers advertise no medical tests, it is better to go in for health insurance that requires you to take the tests as it could mean lower premium rates based on risk perception. An insurance company fixes the premium based on risk perception. Compare health insurance plans online before choosing.