search icon
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.

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

icon-comment 0 Comments
icon-reply Reply

Tired of dealing with call centers!

Get a professional advisor for life!


Rs. 1799