Life Insurance for Pre-Existing and Chronic Illnesses

Getting life insurance with a pre-existing or chronic illness may seem difficult, but it's not impossible. Today, many insurers offer term plans tailored to individuals with medical conditions, based on factors such as treatment history, severity, and overall health.

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 (DD/MM/YYYY)

Mobile Number

Check Your Premium Now

Get Updates on WhatsApp

Whether you're dealing with a long-term condition like diabetes or a critical illness like cancer, understanding your options can help you secure financial protection for your family.

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⁺

What is Chronic Illness in Life Insurance?

A chronic illness is a long-term medical condition that may require ongoing treatment or management.

Can You Get Life Insurance with a Pre-Existing Condition?

Yes, you can absolutely get life insurance with a pre-existing condition. Your approval and premium rates will depend on the type of condition, severity, and how well it is managed. While pre-existing illnesses like asthma or diabetes may lead to higher premiums, coverage is still widely available.

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

Explore Life Insurance by Medical Condition

Below are some of the most searched conditions related to life insurance/term insurance. You can create detailed pages for each and link them here:

Category	Disease / Condition	Details
Neurological	Dementia	Can I get life insurance if I have dementia?
Neurological	Alzheimer’s Disease	Life insurance with Alzheimer’s
Neurological	Parkinson’s Disease	Life insurance for Parkinson’s
Autoimmune	Lupus (SLE)	Life insurance with lupus
Autoimmune	Rheumatoid Arthritis	Life insurance for arthritis patients
Autoimmune	Multiple Sclerosis	Life insurance with MS
Bone	Osteoporosis	Life insurance with osteoporosis
Lifestyle	Diabetes	Life insurance for diabetics
Lifestyle	High Blood Pressure	Life insurance with hypertension
Lifestyle	Obesity	Life insurance for obese individuals
Heart	Heart Disease	Life insurance with heart condition
Heart	Heart Attack (History)	Life insurance after heart attack
Cancer	Cancer	Can cancer patients get life insurance?
Cancer	Cancer Survivors	Life insurance after cancer recovery
Respiratory	Asthma	Life insurance with asthma
Respiratory	COPD (Chronic Obstructive Pulmonary Disease)	Life insurance for COPD patients
Mental Health	Depression	Life insurance with depression
Mental Health	Anxiety	Life insurance for anxiety disorders
Kidney	Kidney Disease	Life insurance with kidney issues
Liver	Fatty Liver	Life insurance with liver condition
Hormona	Thyroid Disorder (Hypothyroidism / Hyperthyroidism)	Life insurance with Thyroid
Hormonal / Reproductive	PCOS / PCOD (Polycystic Ovary Syndrome / Disorder)	Life Insurance with PCOS/PCOD
Infectious / Immunological	HIV / AIDS	Life Insurance with HIV
Respiratory / Sleep	Sleep Apnea (Obstructive Sleep Apnea)	Life Insurance with Sleep Apnea

How Insurers Evaluate Pre-Existing Conditions

When you apply, insurance underwriters assess your specific medical profile to determine risk. Common chronic conditions include diabetes, hypertension, asthma, thyroid issues, and cardiovascular diseases.

They will base their decision on factors such as:

Severity and Stability: How well-managed is your condition?
Treatment History: Are you taking medication regularly, and have you been hospitalized recently?
Medical Questionnaires & Tests: You will likely need to disclose medical reports or complete a medical check-up.

Wrapping Up

Having a chronic illness doesn't shut you out of life insurance; it simply changes how your application is assessed. What really works in your favour is timing and awareness. The earlier you explore your options, the better your chances of getting reasonable terms before the condition potentially worsens. Instead of guessing or delaying, start with your specific condition, understand how insurers view it, and apply with a clear picture in mind. That clarity not only improves your approval chances but also helps you secure a policy that actually holds up when it matters most.

People also search for

What is Term Life Insurance

FAQs

Is liver cirrhosis covered by insurance?

Ans: Yes, liver cirrhosis is covered by health insurance, usually under Critical Illness plans or as part of comprehensive End-Stage Liver Disease policies. Because cirrhosis is a severe condition, coverage often involves lump-sum payouts rather than standard reimbursement
Can I get life insurance with pre-existing medical conditions?

Ans: Yes, you can get life insurance with pre-existing medical conditions. Insurers will evaluate your application by assessing the severity, stability, and treatment history of your illness. While highly managed chronic issues typically require a higher premium, policies are readily available if you are transparent about your health.
Can I get life insurance with a chronic condition?

Ans: Yes, you can get life insurance if you have a chronic illness. Approval, policy types, and pricing will depend on the specific condition, how well it is managed, and whether you require a medical exam.
Does health insurance cover thyroid?

Ans: Yes, most health insurance plans cover thyroid conditions, including hypothyroidism, hyperthyroid issues, and thyroid cancer. Coverage typically includes hospitalization, diagnostic tests, surgeries, and treatments, though it is usually subject to a waiting period if the condition is pre-existing.
What conditions disqualify you from life insurance?

Ans: Traditional life insurance is usually denied for active, life-threatening conditions (like metastatic cancer or end-stage organ failure), dangerous hobbies, or recent DUIs. However, many chronic illnesses only raise premiums. If denied, explore Ethos Life Insurance for no-exam options or employer-provided policies.

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

Author's Bio

Varun Agarwal IRDAI Certified Term Insurance Expert with 10+ Years of Experience

Varun has spent years in the insurance space, but what drives him isn't policies or premiums — it's the conversations he's had with real people. A young father in Pune wondering if his salary is enough. A newly married couple in Jaipur putting off "the insurance talk" for later. A mother in Chennai who never knew her husband was underinsured until it was too late.
These stories stay with him. As Head of Term Insurance at Policybazaar, Varun knows the numbers well — 52.4% of Indians are aware of term insurance, yet only 9.6% own it. And 87% of families don't realise they're leaving their loved ones with far less protection than they actually need. But behind every statistic, he sees a family that just needed someone to sit with them, explain it simply, and help them take that one step. That's exactly what Policybazaar's term insurance is built to do. In his words, "Most people aren't avoiding protection — they're just waiting for someone to make it easy. That's what we're here for."

Write to Varun

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

+On the basis of your profile

+Rs. 410/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. 410/month (Rs.14/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 rounded off to nearest 10

+Rs. 245 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.

+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. 15/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. 504/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. 494/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. 636/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. 918/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. 1,286/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.

+Rs. 453/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.582/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. 786/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. 1,592/month 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.

+Rs. 525/month is the starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 68 years of age.

+Rs. 668/month is starting price for a 2 crore term life insurance for an 25 year-old male, non-smoker, with no pre-existing diseases, cover upto 45 years of age.

+Rs. 1,200/month is starting price for a 2 crore term life insurance for an 35 year-old male, non-smoker, with no pre-existing diseases, cover upto 55 years of age.

+Rs. 410/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.

+Rs. 577/month is starting price for a 1 crore term life insurance for an 18 year-old Male, self employed, 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. ₹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

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.