back arrow Back

Term Insurance for Heart Patient

reply Share
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.

like like
Term Life Insurance

1 Answer

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

like like
icon-comment 0 Comments
icon-reply Reply

Tired of dealing with call centers!

Get a professional advisor for life!


Rs. 1799


Discover the best tips for insurance every week!

Beshak is not regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and does not have any alliance or association with any Insurance business.
© Copyright 2023 Beshak Solutions Pvt. Ltd. All Rights Reserved.

Disclaimer: The content on the website is purely for information purposes for the public at large, and does not constitute personal financial advice for a specific individual reader.
If you are reading this, it means you love reading the fine print. Why not get paid for what you love doing - Join us by writing to now 🙂