Close
Close

Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak Guaranteed Fortune Builder

A plan that offers guaranteed income for your future goals. Know more

Kotak e-Term

Protect your family's financial future. Know more

Kotak Assured Savings Plan

A plan that offer guaranteed returns and financial protection for your family. Know more

Kotak Guaranteed Savings Plan

A plan that offers long term savings and life cover. Know more

Kotak e-Invest

Insurance and Investment in one plan. Know more

Kotak Lifetime Income Plan

Retirement years are the golden years of life. Know more

Close

Get a Call

Enter your contact details below and we will get in touch with you at the earliest.

  • Select your Query

Thank you

Our representative will get in touch with you at the earliest.

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
  • 3,662 Views

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

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.

Severity

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

Download Brochure

Features

  • 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

T&C

- A Consumer Education Initiative series by Kotak Life

Similar Articles

What is the Difference Between Limited and Regular Pay Insurance Plan?

What Happens If You Stop Paying Premiums of Life Insurance?

Why Do Life Insurance Agents Avoid Selling Term Plans?

How to Customize Your Life Insurance Policy with Riders

Staying Insured While Investing

What is the process of reactivating lapsed life insurance policy?

क्या जीवन बीमा एक निवेश है?

Everything You Need to Know About Endowment Policy

जीवन बीमा क्या है?

1 CR Term Insurance Plan: How to Pick the Best 1 CR Term Plan

Difference Between Money Back and Endowment Policy

Insurance vs Investment - Know the Difference

6 Things You Didn't Know Life Insurance Could Do

Key Things to Review in Your Life Insurance Policy Document

6 Different Types of Insurance Policies

Is it Possible to Make Changes in a Term Plan’s Specification Post Purchase?

Guidelines for Linking Aadhar and PAN to Insurance Policies

Know the many types of life insurance policies in India

How Do Term Insurance Plans Differ for Smokers?

Digital Life Certificate for Pensioners Seeking Pension

Advantages of Digitizing the Insurance Claims Process

Why You Should Never Cancel Life Insurance Policy

What Is Surrender Value (Cash Surrender Value) in Insurance and how is it calculated?

How do life insurance payouts work?

Process of Filing A Claim For Life Insurance

How to Choose the Right Term Plan as per Your Age

How to Use Different Types of Life Insurance for Retirement Planning?

Different Types of Insurance Policies in India

Best Insurance Plans in India

5 Reasons Why a Women Should Buy a Life Insurance

Beware of Phishing & Fraud Insurance Calls

Choosing a Life Insurance Beneficiary

जीवन बीमा पर ऋण

Does Family History Affects your Term Life Insurance Rates?

Life Insurance Beneficiary

How to Buy Life Insurance Policy Online?

Important Factors to Consider While Choosing the Right Term Period for Your Term Insurance Plan

Kotak Life Claim Settlement Ratio

Adding a Child to Your Life Insurance Policy?

Life Insurance and Millennials

How to Choose a Life Insurance Policy

Is It Time to Review Life Insurance Policy of Yours?

What is Underinsurance & The Dangers of Being Underinsured

What is Human Life Value (HLV) & How to Calculate it?

All You Need to Know About Life Insurance - Its Benefits, Features, and Types of Life Insurance

Why do most Indians choose the wrong way to buy life insurance?

How Does Life Insurance Work?

Sabse Pehle Life Insurance

Here's How to Choose The Tight Life Insurance

What Is Investment Insurance?

Want to surrender your life insurance policy? Here's a guide

Benefits of Term Insurance with Critical Illness Rider

5 Things to Keep in Mind While Buying Life Insurance Policy

How often should I review my policy?

How Much Life Insurance Do You Need?

NRI Premium Payment Options

Loan Against Life Insurance Policy

How Many Insurances Should I Have?

What happens to joint life insurance after divorce?

Why is Medical Test Important While Buying a Term Insurance?

Different Types Of Life Insurance In India

Most Common Life Insurance Riders to Enhance Your Existing Policy

भारत में जीवन बीमा पॉलिसियों के प्रकार

Who Is A Nominee In A Life Insurance Plan?

All about IRDAI

Why Term Insurance for Women is Important?

Types of Riders in Insurance Policy

Terminal Illness Benefit in Term Insurance

Is Life Insurance For Millennials Really Needed?

Biggest Life Insurance Myths

What is Minimum Life Insurance Policy?

Does Life Insurance Policy Cover Covid Death?

Life Insurance for Overweight Applicants

What Is the Procedure to choose a nomination in life insurance policy?

Important Terminologies of Life Insurance

Top 5 Common Life Insurance Myths and Facts

Life Insurance for Millennials

What is Human Life value and a Human Life Value Calculator?

Details Required To Be Filled In A Life Insurance Form

Can I Transfer My Term Life Insurance Policy to another Company?

What is Insurance Premium? | Definition of Insurance Premium

Savings cum Protection Plans Secures Your Family from Unforeseen Events

All About Life Insurance and How It Works?

Why Life Insurance is Always a Smart Decision?

Role of Life Insurance in Your Financial Portfolio

5 Easy Steps to Buying A Policy

What is Life Insurance?

What is KYC - Meaning, Types, and Importance

Why Your Family Should Know About Your Life Insurance Policy?

Backdating in Life Insurance: Should You Avoid it?

Customer Awareness on Information Security

What are robo-advisors in insurance?

Voluntary Life Insurance vs. Basic Life Insurance

भारत में गृहणियों के लिए टर्म इंश्योरेंस

Compare Different Life Insurance Products Offered By Kotak Life

How Much Life Insurance Should You Have?

Do College Students Need to Buy a Life Insurance?

Important Life Insurance Terms You Must Know

Think About Life Insurance Sooner than Later

5 Common Life Insurance FAQs and Answers

Difference Between Insurance and Assurance?

Choosing Between Short-Term & Long-Term Insurance Plans

Nominee in insurance - A Complete Guide on nomination in insurance

Do Life Insurance Premiums Increase Every Year?

Tax benefit: Is your single premium life insurance policy eligible for tax benefits?

Life Insurance and Retirement Planning

Invest in Insurance to Secure Your Future

Life Insurance vs. Death Insurance: Exploring the Key Distinction

Life Insurance with Money Back vs Without Money Back

Know the many types of life insurance policies in India

Why Porting Health & Life Insurance after Marriage is Important?

Why do I Need Life Insurance?

Term Plan with Return of Premium (TROP)

Life Insurance vs Mutual Funds

Do Your Financial Planning with Life Insurance!

What Is The Life Insurance Penetration In India And How Does It Compare Globally?

Ensure Protection Against Death, Disease & Disability With Life Insurance

Can a Term Plan be the Substitute for a Retirement Plan?

6 Ways You Can Ensure Fast & Smooth Claim Settlement

All about Life Insurance Calculators

7 Superficial Reasons People Avoid Buying Insurance Online

Does Life Insurance Pay for Suicidal Death?

Term Life Insurance vs Accidental Death Insurance

What Should One Expect During the Medical Evaluation for Life Insurance?

9 Most Important Things You Must Learn About Paying Life Insurance Premium

When are Millennials required to take out a life insurance policy?

Importance of Checking Claim Settlement Ratio before Buying Life Insurance

Life Insurance Plans for Women

What Should One Consider Buying: Term Insurance or Traditional Life Insurance

Is Life Insurance Worth It?

How to Make Death Claims on Life Insurance?

FAQs on Life Insurance

Comparing low premium term insurance Is Not the Only Factor While Buying Life Insurance

What is Group Insurance?

Is it Possible to Reduce Life Insurance Premium without Affecting Sum Assured?

Health Insurance VS Life Insurance

All about Your Rights and Duties While Buying Life Insurance Policy

What Is the Difference Between Group Term and Voluntary Term Life Insurance?

Should You Buy Life Insurance After Getting Married?

Insurance and Endowment: Everything You Need to Know!

Different Types of Protection Plans

Role of IRDAI in the Insurance Sector

What are the Benefits of Endowment Policy?

Benefits of Gifting Term Insurance to Your Spouse

Life Insurance Vs. Mutual Funds Investment

What is Insurance Coverage? Overview, Types, and Examples

भारत में सर्वश्रेष्ठ टर्म प्लान कैसे चुनें?

How to Select a Perfect Life Insurance Policy in India to Protect Your Future?

Is It Advisable To Have Multiple Life Insurance Policies?

Always keep your Nominee informed

In India, should NRIs purchase life insurance?

Life Insurance for Overweight Applicants

बीमा क्षेत्र में IRDAI की भूमिका

What Is Insurance Rider and It’s Benefits?

Term Insurance Vs Life insurance: Small Details, Big Differences

Benefits of Term Insurance for Senior Citizens in India

How Much Term Life Insurance Cover Do I Need?

Health Insurance VS Life Insurance

How to Choose Life Insurance for All Ages?

Different Kind of Deaths that are Not Covered in a Term Insurance Plan

Life Insurance Nominees: 5 Must-Know Facts for Beneficiaries

Whole Life Insurance Definition: How It Works, With Examples

What is the Difference Between Insurance and Reinsurance?

Choosing Riders for Insurance Plans