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Term Insurance for Heart Patient

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21 Dec, 2021 by  Kishore K

Hey All,


I am 35, and have suffered heart attack in April & May 2012.


Is it possible for me to buy a term insurance now.


Thank you in advance.


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1 Answer

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25 Dec, 2021
CEO, Insurance Samadhan

Dear Kishore

Insurance is a proposal and Acceptance contract .

There is no harm in applying , apply by declaring your problem alongwith all reports .

There are three possibilities

1. Accept : chances are only 1 % because of your heart condition .

2. Reject : chances is 90 % that you case will not be accepted . In this case , your full money will be returned .

3. Rate up : Insurance company would give you a counter offer of increase in premium rates .


In any case , you will not be looser because your premium will be refunded . If you do not want full premium then buy in quarter mode and if case is accepted then change premium to annual mode .

Hope this suffice

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