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Can You Apply For A Life Insurance After Getting Heart Attack? Here is Everything You Need To Know

Getting a life insurance policy after suffering from a heart attack is possible. So, let’s get detailed insights into purchasing life insurance after a heart attack.

  • Feb 15, 2022

Nothing brings home the reality of how fragile and uncertain life is like a heart attack. A happy life with your loved ones is the greatest achievement, full of moments that we treasure and live for.

Any illness or disease does not knock on your door; it strikes without warning, wreaking havoc on your mental and financial well-being. As a result, it is vital to acquire life insurance coverage to ensure that your family’s future is always safe, both while you are alive and after you pass away.

The incidences of heart attacks have increased dramatically in recent years, and while doctors and scientists are still attempting to figure out why, those studies are still underway. Many individuals in India, particularly when COVID-19 hit full force, suffered from heart attacks, prompting the question, “Is heart attack covered under life insurance?

Since many individuals question if life insurance with critical illness is accessible for those who have had a heart attack, in this article, we’ll go through the life insurance process, as well as if it’s accessible as term insurance for heart patients.

Buying Life Insurance Coverage After A Heart Attack

Life insurance is a crucial financial tool that may provide you with a sense of peace and ensure your family’s stability in the case of your demise. Nevertheless, as you may be aware, your ability to get life insurance is determined by a number of factors, including your age, medical history, lifestyle choices, and other factors.

If you have a pre-existing disease, such as hypertension, asthma, diabetes or another serious illness, the insurance company may charge you a higher premium or deny you coverage. If you have a heart condition, your chances of acquiring life insurance are significantly reduced. As a result, the life insurance application process will be more difficult to obtain if you have had a heart attack than it is for others.

Factors To Take Into Account While Buying Term Insurance For Heart Patients


Age is on your side if you’re in your 40s, 50s, or 60s. If you have had a heart attack in your 30s, your chances of getting life insurance are slim.


The severity of the heart attack is more important than the number of procedures you’ve had. A blockage of one or two vessels makes you less insurable than someone who has had a serious heart attack resulting in four vessel blockage.

Compounding Health Problems

If you have a heart condition and are also diabetic, your prospects of getting life insurance are minimal and expensive.

Treatment and Follow-Up Care

If your disease necessitates the use of medications for the remainder of your life, you may be able to obtain insurance, but the costs may be higher. Insurers will also go through your medical records and orders from your doctor. There’s a larger chance of getting insurance if your follow-up instructions are simple and unambiguous.

Term Insurance & Heart Attack

The answer to the pressing question “is heart attack covered under life insurance?” is given here!

The life insurance policy only covers death from natural causes and accidental deaths, as per the Insurance Policy Regulations. Natural causes might include death from any sickness, suicide, accidents, or other factors.

The explanation for dying owing to any health difficulties is what the life insurance policy focuses on. As a result, it primarily covers deaths caused by heart attacks, cancer, strokes, renal failures, and other causes is covered under life insurance with a critical illness.

To summarise, while purchasing term insurance after a heart attack may not be the ideal option and may be difficult, it is always advisable to obtain life insurance coverage with critical illness from a young age, so that your insurance and financial needs are met if and when the need arises.

Kotak e-Term

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  • Life Cover till 85 years for Life & Life Secure Option
  • 3 Payout Options
  • Special Rates for Women
  • Option to exit the policy with premium refund at the age of 60*
  • Special Rates for Non-Tobacco Users
  • Free Medical Check Up every 5th year**

Ref. No. KLI/22-23/E-BB/2435


- A Consumer Education Initiative series by Kotak Life

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