The requirement of pre-entrance medical check-up depends on your age, the sum insured that you choose and the type of policy that you buy. Under many plans, medical check-ups are not needed up to 45 years of age. Some plans do not need check-ups even up to 55 years of age and in senior citizen policies, there is no need for medical check-ups. However, if you opt for high sum insured and/or have an adverse medical condition, medical check-ups might be needed. So, the requirement of medical check-ups varies across plans and the underwriting principles followed by the company.