Hey Mr Banerjee,

Try out term insurance from any of the top life insurance companies in India - LIC, SBI Life, HDFC Standard, ICICI Pru. Declare all of your previously known medical history to the insurers. Agents are trying to fleece you telling you not to declare. Due to non-disclosure, insurance company can cancel your policy and reject future claim. You'll lose all your premiums.

Now your next question would be, who would give policy to someone with cardiomyopathy history. This is based on underwriting (risk evaluation) process of an insurer, hard for me to predict who will cover the risk. Unfortunately you'll have to go through the policy application process with your selected insurers and see who accepts the proposal.

Anuj Jindal

Co-founder

SureClaim