3 lac rupees worth insurance if you die while taking your MBBS exams during this pandemic.

Is life of a medical student worth 3 lac rs? What about the loss that the family and society will face?
Is it even worth exposing students to this virus only for the sake of exams?
I understand a lot of people might complain of professional courses and stuff. Blah Blah Blah.
All the universities in America conducted online examinations for students. Nowadays people take even GRE or TOEFL from home.
We can use similar technology and I think we can make exception for this one year. We can conduct the full MCQ exam that can be taken at home in a safe environment without any risk of exposure.
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