Dear Suraj,

You should check with these 3 Life Insurers after the period for which they have postponed your policy. Postponement is deferment of decision by the Insurer for a certain time period after which the Insurer is open to re-evaluate the proposal. It's not a strict rejection. I don't recommend that you apply to any other Life Insurer now. Most of them rewrite their risk with the same reinsurers so it's unlikely that any other Life Insurer will accept your proposal for term insurance.

For health insurance, check with the public sector Insurers. They do their underwriting at the regional level & may underwrite your risk with some exclusions. A few other options that you can try for health insurance -

1. Group Health Insurance by your employer or some Bank where you have an active account. The new age fintech firms & payment banks like Paytm, PhonePe, Airtel Payments Bank may also provide you some health cover if you are their customer.
2. Try to seek insurance under Arogya Sanjeevani plan run by a PSU health insurer. It's a low cost/basic cover health insurance offered by Insurers as per advice of IRDAI.

Best Wishes,

Asad Akbar

Hlo suraj,

I just came through your query. I work with one of the associates of Max Life.

CONTACT ME REGARDING THIS

6366420872