Prices Increasing soon Prices Increasing Soon

Term Life Insurance For Heart Patients In India

Although term life insurance for anyone with dependents is essential, it becomes all the more prized if you are suffering from a critical illness. While the statement may seem bleak, the proceeds from term insurance can help your family sustain themselves financially should any misfortune were to befall you. The current insurance space features a plethora of term plans that can be availed by heart patients, albeit at higher premium rates than those charged for people with no medical history.

Read more
Gets ₹1 Cr. Life Cover at just
COVID-19 Covered
The Policybazaar Advantage
Dedicated claim support for family FREE
Upto 10% discount for buying online
Only certified experts will call you on 100% recorded lines
We are rated~
6.7 Crore
Registered Consumers
Insurance Partners
3.4 Crore
Policies Sold

#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply

By clicking on "View plans" you agree to our Privacy Policy and Terms of use

~Source - Google Review Rating available on:-

Life is Unpredictable! Protect your family’s future
Get ₹1 Crore Life cover starting from ₹384/month+
We don’t spam
Check Your Premium Now
Please wait. We Are Processing..
Get Updates on WhatsApp
The Policybazaar Advantage
Policybazaar Advantage Icon
Dedicated claim support for family FREE
Policybazaar team will help and support you at the time of claim. A personal claim handler from our team of experts will get in touch with you when your nominee applies for a claim on our website.
Policybazaar Advantage Icon
100% calls recorded to ensure no mis-selling
We will make sure you get what is promised by the advisors. We conduct regular monitoring of our calls to make sure you get the best experience.
Policybazaar Advantage Icon
Exclusive lifetime discount upto 5% for buying online
The discounts will be valid for the entire policy payment term and is not available if you choose to buy the insurance through offline agents.
Policybazaar Advantage Icon
Advisors available in your city
Our advisors are available in more than 55 cities across India and can help you at your doorstep in understanding the plans and in documentation.
Policybazaar Advantage Icon
Refund at the click of a button
In case you aren’t happy with your purchase, you can cancel your policy hassle-free at the click of a button. We will help you with the cancellation and refund of your policy.

Why Is Term Life Insurance Important For Heart Patients?

Heart conditions in India have been on the rise due to changing lifestyles. According to public health estimates, India reportedly accounts for nearly 60% of the world’s cardiac burden. In fact, almost 25% of all deaths in the country can be accorded to cardiovascular diseases, as reported by the Global Burden of Disease. These seemingly grim facts should offer the right impetus towards purchasing the best term life insurance for yourself, especially if you are a heart patient with a number of dependents to look after. Term life insurance for heart patients in India can significantly calm the financial burden following the diagnosis.

The important question is how to avail of term life insurance for heart patients in India.

one crore term plan

Term Plans


Life Cover

@ Starting from ₹ 16/day+


Life Cover

@ Starting from ₹ 8/day+


Life Cover

@ Starting from ₹ 12/day+

How To Secure Term Insurance For Heart Patient?

Term life insurance policies offer life cover to the policyholder for a specific term, ensuring financial protection to the family after the demise of the policyholder. Nearly every insurer features a host of term plans on their platforms, each serving some unique need. The coverage offered by term life policies vary based on the features, sum assured, riders, policy term, etc. Therefore, it is paramount to conduct your own research and ensure that you pick the best term life cover for yourself and as per your requirements.

  1. Medical Tests

    If you are a heart patient, the procedure to purchase term insurance remains largely the same, except for making a few declarations. This involves the heart patient communicating about his/her medical history at the time of purchase. The insurer, in return, will ask the patient to undergo a medical examination as further evidence of your illnesses. Even if you do not disclose your medical condition, which is strongly advised against, insurers may ask you to undergo pre-policy medical screening based on your age.

  2. Waiting Period

    Insurance companies, in some cases, impose a waiting period for heart patients or people suffering from a medical condition. Only after this waiting period can the interested parties buy a term life insurance plan. For instance, if you recently suffered from a heart attack, you will have to wait for the waiting period to be over before you get a term insurance policy for yourself. It usually ranges from 6 months to up to 3 years. The significance of this period is that it allows insurance providers to gauge your current health after the occurrence of the illness. The insurer will take into consideration disease management during this period in its underwriting process.

  3. Premiums Rates

    Note that life insurance cover is a risk undertaken by the insurer in insuring the life of a policyholder. Based on the risk involved, policy buyers are charged a premium amount. Given the higher degree of risk involved with heart patients, insurers will naturally charge a higher premium to offset this risk. You can expect anywhere between 10% to 15% higher rates of premiums if you have a pre-existing condition, such as heart disease.

    The seriousness of your heart condition, the medical practitioner's first diagnosis report, the steps undertaken to manage the disease, your lifestyle choices, etc., will reflect in the underwriting process. The premium rate shall also depend on the age at which the term life policy is being bought, and sum assured, family history, lifestyle diseases, etc.

    Note: Know what is term insurance first and then buy a term plan for your loved ones.

one crore term plan

Secure Your Family Future Today


Term Plan Starting @ ₹449/month+

Get an online discount of upto 10%+

Compare 40+ plans from 15 Insurers

+Standard T&C Applied

Factors To Consider Before Purchase

If you are a heart patient looking for a suitable term insurance cover, factor in the following aspects before purchasing the policy.

  • The insurer might invalidate the benefits of a policy at the time of death claim settlement if they later find that crucial information about your critical illness was withheld.

  • You will be required to disclose information about the date of the first diagnosis, the severity of the condition, treatment received / ongoing, tobacco usage, pre-existing lifestyle conditions such as obesity, diabetes, high blood pressure, family history of heart conditions, and current medication, among others.

  • Keep all relevant documents related to hospitalization, consultations, treatment, etc., handy to ensure a smooth buying process.

  • Figure out the waiting period of different insurers and shortlist ones that offer the shortest waiting periods. This will ensure that you get the desired coverage sooner.

  • As mentioned, the insurer will take into consideration any information about how you have been managing your heart condition. If you can establish that you are healthy post the first diagnosis, the insurer may charge lower premiums. However, this is subject to the insurance provider’s discretion.

  • To cover for treatment-related expenses, consider investing in a critical illness rider.

Note: It is suggested to calculate the term plan premium on the term insurance calculator online tool by Policybazaar before buying the plan.

Extra Protection with Critical Illness Rider

Critical illness riders are add-on benefits that you can attach to the base term cover. These riders offer payouts as a percentage of the sum assured on the first diagnosis. Critical illness riders are common across term life insurance plans and are available at an additional cost. Each insurer publishes a list of pre-specified illnesses that their respective term plans will cover if the rider is opted for. This rider benefit shall be extra from the death benefit amount assured under the term life cover. If you have previously suffered from a heart condition, you should opt for this rider to avoid incurring high costs of treatment if the condition were to repeat in the future.

Note: Check out the best term insurance plan in India and choose one that suits your requirements.

Premium By Age

Term insurance articles

  • Recent Article
  • Popular Articles
07 May 2024

Term Insurance for 45K Salary Individuals

In life, unpredictability looms large, and while you may

Read more
07 May 2024

Term Insurance for 30K Salary Individuals

Turning your dreams into reality, like owning your home and car

Read more
11 Apr 2024

Government Term Insurance Schemes 2024

The Government of India is committed to the welfare and

Read more
03 Apr 2024

How Policybazaar Helps With Dedicated Claim Assistance

Mr. Kumar has been working with a Public sector bank in Delhi.

Read more
19 Mar 2024

Kotak Term Insurance Login

Kotak Life Insurance is one of the leading insurers offering a

Read more
20 Aug 2014

Term Insurance for Women in India

Term insurance for women is a type of life insurance specifically designed for fulfilling women’s needs and

Read more
03 Dec 2020

What Is Saral Jeevan Bima

Saral Jeevan Bima (SJB) is a simple term insurance plan that offers financial protection for policyholder’s

Read more
13 Apr 2021

2 Crore Term Insurance Plan

2 Crore term insurance provides cover amount of 2 Crore as death benefit to your family in the event of your

Read more
07 Mar 2023

TATA AIA Smart Sampoorna Raksha Param Rakshak Plus

TATA AIA Smart Sampoorna Raksha Param Rakshak Plus is a comprehensive life insurance policy for individuals

Read more
20 Sep 2021

Term Insurance for Diabetics

A lot of people suffer from diabetes in India and one of the most common challenges they face is getting suitable

Read more
Need Help? Request Callback
View Plans
Download the Policybazaar app
to manage all your insurance needs.