There are fixed deposits which come with free life insurance without any medical check-up wherein the cover equals the FD amount (this is subject to time and age limit and maximum insured amount). On the other hand, another FD option allows you to opt for free medical consultation on a virtual platform, which is both comforting and safe. These FDs have certain restrictions on age and tenure because the Bank is making this available free of cost. However, top-level FDs provide depositors with more benefits. Not to forget the FD also offer very attractive deposit interest rates. All of this is made possible with beneficial partnerships between banks and life insurance companies in the country.