Can I Get Life Insurance If I Have Lupus?

Yes, you can get life insurance with lupus, but it may involve higher premiums or a more detailed underwriting process depending on the severity of your condition. Insurance companies consider factors such as the date of diagnosis, flare-up frequency, medications, and organ involvement.

53 Partners Insurance Partners

13.2 Crore Registered Consumer

6.29 Crore Policies Sold

We are rated ++ rating

₹1 Crore Life cover starting from ⁺

Lowest Price Guarantee ^˜

Male

Female

Name

Date of Birth

Mobile Number

Check Your Premium Now

Get Updates on WhatsApp

What is Lupus?

Lupus, most commonly Systemic Lupus Erythematosus (SLE), is a chronic autoimmune condition where the immune system attacks healthy tissues. It can affect different parts of the body, including the skin, joints, kidneys, heart, and lungs. For insurers, lupus raises concern because:

It can involve vital organs
Symptoms may flare unpredictably
Long-term complications can affect life expectancy

This is why it is treated as a pre-existing condition and assessed carefully during underwriting.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

Can You Get Life Insurance with Lupus?

Yes, you can, but not always on standard terms. Most insurers in India will consider your life insurance application if:

Your condition is stable and under control
There are no severe complications
You have a consistent treatment record

However, you should be prepared for:

Higher premiums (risk-based pricing)
Detailed medical checks
Possible policy restrictions

Secure Your Family Future Today

₹1 CRORE

Term Plan Starting @

Get an online discount of upto 15%^#

Compare 40+ plans from 15 Insurers

⁺Standard T&C Applied

How Insurers Evaluate Your Application?

When you apply for life insurance with lupus, insurers don’t make decisions based on the diagnosis alone. They review your overall health profile to assess your risk level. Here are the key factors they assess:

Severity of Lupus
If your lupus is mild and well-controlled with minimal symptoms, your chances of getting approved are much higher. Severe or active cases, on the other hand, may lead to higher premiums or stricter terms.
Organ Involvement
Lupus that affects major organs—such as the kidneys, heart, or lungs—is considered higher risk. This can significantly impact both your eligibility and the cost of your policy.
Medical History
Insurers review your complete medical background, including when you were diagnosed, any hospitalisations, and the type of treatment or medication you’ve been on.
Stability of the Condition
A stable condition with no recent flare-ups works strongly in your favour. The longer your lupus has been under control, the better your chances of approval.
Current Health Reports
Recent medical tests, doctors' reports, and overall health indicators play a crucial role. Insurers rely on this data to evaluate your present condition rather than just your past history.

Types of Life Insurance You Can Consider

If you have lupus, your options may be slightly narrower, but you're not limited to just one type of policy. Here are the main life insurance options worth considering:

Term Insurance
Term insurance is the most straightforward and affordable form of life insurance. It provides coverage for a fixed period, such as 10, 20, or 30 years, making it ideal for income replacement and protecting your family's financial future.

If your lupus is stable and well-managed, insurers may still offer you a term plan. However, you should expect higher premiums compared to standard policies, as the risk is adjusted based on your health condition.
Whole Life Insurance
Whole life insurance offers lifelong coverage along with a savings or cash value component that grows over time. This makes it suitable for those looking for both protection and long-term financial planning.

In some cases, approval may be slightly easier than term insurance, especially if the insurer is cautious about long-term risk. That said, the premiums are significantly higher.
Group Life Insurance
Group life insurance is typically provided by employers as part of workplace benefits. These plans usually involve minimal or no medical underwriting, which makes them a practical option if you’re finding it difficult to get an individual policy.

While the coverage amount may be limited, it can still serve as a useful financial safety net.

Critical Illness and Terminal Illness in Life Insurance

If you’re living with lupus, these add-ons need a bit more attention before you opt in. They can be useful but only if you understand how they actually work in your situation.

Critical Illness Cover

A critical illness rider pays a lump sum if you’re diagnosed with specific serious conditions like cancer, heart attack, or stroke.

With lupus, things are slightly restricted. Since it’s already a pre-existing condition, it is typically not covered under the rider. However, certain complications that arise later such as kidney failure may still be included, depending on the policy terms.

Insurers also tend to apply waiting periods and specific exclusions, so it’s important to read the policy wording carefully before adding this benefit.

Terminal Illness Benefit

Terminal Illness benefit is a feature often included in term insurance plans. It allows an early payout if you're diagnosed with a life-threatening condition with limited life expectancy.

The good part is that this benefit is usually still available even if you have lupus, as long as your base life insurance policy gets approved.

It acts as a financial cushion during a critical time, giving you or your family access to funds when they’re needed the most.

Final Thoughts

Living with lupus does make getting life insurance more complex—but not impossible. You can still access life insurance, term insurance, and even terminal illness benefits with the right approach. What really matters is how stable your condition is and how clearly you present your medical history. With proper planning, you can still secure meaningful financial protection for your family.

People also search for

What is Term Life Insurance

FAQ's

Q: What is the life expectancy of a person with lupus?

Ans: With modern treatment, most people with lupus can live a normal or near-normal lifespan. Early diagnosis, proper medication, and lifestyle management significantly improve outcomes. However, severe complications affecting organs like the kidneys or heart can impact life expectancy, which is why continuous medical care is important.
Q: Will I need to pay more for life insurance with Lupus?

Ans: Yes, because lupus is a chronic disease with potential complications, underwriters may charge higher premiums (known as "rated" policies) to reflect the increased risk.
Q: Can people with autoimmune disease get life insurance?

Ans: Yes, people with autoimmune diseases can get life insurance, but approval depends on the specific condition and its level of control. Conditions like lupus, rheumatoid arthritis, or multiple sclerosis are evaluated based on medical history, flare-ups, medications, and complications. Some applicants may get standard or slightly higher premiums, while others may face exclusions or waiting periods.
Q: What information will insurers ask for before approving my Life Insurance if I have Lupus?
Ans: Insurers will require detailed information, including:
- What type of lupus do you have (e.g., SLE).
- Date of diagnosis and treatment plan.
- Current symptoms, such as fatigue, joint pain, or rash.
- Evidence of organ involvement, especially kidney function.
Q: Will I still get Life Insurance if I have severe or active lupus?

Ans: Coverage is still possible but may require specialized underwriting. It is crucial to prove that the condition is managed and stable.
Q: What diseases disqualify you from life insurance?

Ans: There isn’t a fixed list of diseases that automatically disqualify you. Insurers assess each case based on severity, treatment, and overall health. However, serious conditions like advanced cancer, severe heart disease, end-stage kidney failure, or uncontrolled chronic illnesses may lead to rejection or very high premiums. In many cases, if the condition is stable and well-managed, you can still get coverage.

Different types of Plans

Term Insurance

View Plans

Life Insurance

View Plans

List of Term Insurance Companies

View Plans

TROP

View Plans

Term Insurance For Senior Citizen

View Plans

Term Insurance For Spouse

View Plans

Term Insurance For Family

View Plans

Term Insurance For NRI

View Plans

List of Term Insurance Plan

View Plans

Life Insurance Corporation of India

View Plans

What is Term Insurance?

View Plans

Term Insurance Calculator

View Plans

1 Crore Term Insurance

View Plans

2 Crore Term Insurance

View Plans

Explore the popular searches and stay informed

˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.