Hello Govil,

Yes, once you have a history of a serious ailment or multiple chronic lifestyle diseases, the chances of you getting a health insurance policy, especially standard best-selling policies are difficult. (This is precisely the reason why we recommend that you should get adequate for yourself as soon as possible)

You should explore policies especially designed for Heart patients - like Care Health Insurance's Care Heart or Star Health's Cardiac Care policy. Such policies can act as extensions to your existing. Ensure you have understood all the financial limitations in the policy - especially Room Rent Limit, limits on surgeries, and Copay well before you signup for the policy. Ensure you buy the highest cover you can afford so that you don't have to depend on your future health conditions to buy/upgrade health insurance.

Hope this is useful.

Regards,

Team Beshak