Close

Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak e-Term

Protect your family's financial future.

Kotak Gen2Gen Protect

Insurance and Investment in one plan.

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.

Term Insurance for Heart Patients

Term insurance for heart patients is a life insurance policy that provides financial security for their family in case of their untimely death. It offers a fixed sum assured and the option for additional coverage for heart-related illnesses. It is essential for heart patients to disclose their medical history, undergo medical checkups, and consider critical illness riders while purchasing such a plan. Key factors to consider include the severity of the heart condition, lifestyle, premiums, and policy terms. Seeking expert advice and comparing insurers can help secure the best coverage.

  • 76,588 Views
  • Updated on: Jun 23, 2025
Secure Health & Life Together

What is Term Insurance for Heart Patients

As the name suggests, term insurance for heart patients is a life insurance policy that provides financial protection to your family members if you pass away during the policy term. What is distinct about such plans is that they also cover heart-related ailments. So, your family members will receive the death benefit in case of your passing due to heart disease or similar critical illness.

Why Is Term Insurance Important For Heart Patients?

Heart diseases have become a pressing concern in India. According to a World Health Organization (WHO) report, cardiovascular diseases account for 27% of deaths in the country. Moreover, there has been a 12.5% rise in heart attack cases. While these statistics point out the need for a lifestyle change and proactive health management, they also raise concerns regarding the family’s well-being if something happens to the patient.

This is why term insurance for heart patients has become a crucial part of financial planning. It can provide financial security to your loved ones in case of an unfortunate event. Since heart conditions can lead to unexpected health complications, having term insurance ensures that the family is protected financially during difficult times, especially if the primary breadwinner has a pre-existing heart condition.

How to Get Term Insurance for Heart Patients

If you have a pre-existing heart condition or are susceptible to related diseases, you should follow the below-mentioned steps to buy term insurance for family:

  • Consult with an Insurance Advisor: Incomplete understanding of the policy’s terms and conditions can create difficulties during claim settlement. Therefore, you should seek professional advice to understand each policy detail, explore policies tailored for heart patients, and compare various plans.
  • Provide Complete Medical Disclosure: Insurance contracts are based on the foundation of trust and complete disclosure. Make sure that you maintain transparency and provide detailed information to the insurer about your heart condition during the application process, including treatments and medications.
  • Undergo a Medical Checkup: Most insurers will require a medical examination to assess the severity of the heart condition before approving coverage. The results of such a checkup will help the insurer to determine the risk and calculate premiums.

After you submit your application, the insurer will assess your eligibility. Once that gets approved, you can sign the required documents and start paying premiums.

Key Factors When Buying Term Insurance for Heart Patients

The right term insurance for heart patients ensures that your family can manage their living expenses in your absence and live with dignity. Let’s explore the factors that influence which is the right policy for you.

  • Severity of the Heart Condition: The more severe the heart disease, the higher the premium may be. It is important to understand the extent of your condition and its impact on the policy.
  • Medical History and Lifestyle: Insurers will review your medical history and also consider lifestyle factors like smoking or diet. These elements play a crucial role in determining your eligibility, premium costs, and extent of coverage.
  • Policy Terms and Coverage Options: Choose a policy with sufficient coverage for heart-related health risks. Look for critical illness riders or add-ons specifically for heart conditions.
  • Age and Health Condition: Younger, healthier patients generally receive more favorable terms. The earlier you buy, the better the chances of securing affordable premiums.
  • Waiting Period: Many term insurance policies for heart patients come with a waiting period before certain benefits are activated. It is important to understand how long you need to wait for full coverage, especially for pre-existing conditions.

Steps to Select the Best Term Insurance for Heart Patients

Whether you are looking for term insurance for NRI or residents as a heart patient, you can get started by following these steps:

  • Evaluate Your Health Condition: Assess the severity of your heart disease with your doctor and gather all medical records to disclose during the application process.
  • Compare Insurers: Research multiple insurance providers and compare their offerings, including premiums, policy terms, and exclusions for heart-related conditions.
  • Look for Suitable Riders: Consider policies that offer riders for critical illnesses or heart disease-specific coverage, as these can provide better protection.
  • Understand Exclusions: Carefully read the fine print to understand exclusions related to pre-existing conditions or heart disease.
  • Seek Expert Advice: Consult with an insurance advisor who can help you navigate through various options and find the best plan tailored to your needs.

Tips for Securing Term Insurance for Heart Patients

Securing term insurance for heart patients requires careful planning and proactive steps to ensure comprehensive coverage. Here are some practical tips to help you get the most suitable term insurance policy.

  • Disclose Full Medical History: As discussed earlier, be honest and transparent about your heart condition when applying for insurance. Hiding details may lead to claim rejections later.
  • Consider Increasing Your Coverage: If you have a history of heart disease, consider opting for higher coverage to safeguard your family financially. The impact of different coverage amounts on the premium can be understood by using a term insurance calculator.
  • Focus on the Insurer’s Claim Settlement Ratio: Choose an insurer with a high claim settlement ratio so that your nominees receive the payout if needed.
  • Maintain a Healthy Lifestyle: Adopting heart-healthy habits such as regular exercise, a balanced diet, and quitting smoking can potentially lower premiums over time.
  • Opt for a Longer Coverage Period: As compared to whole life insurance, a term insurance plan provides coverage for a limited period. You should select a term policy with a longer duration for better protection, especially if you are still relatively young.

Conclusion

Safeguarding your family’s financial future should not be put on hold due to a heart condition. While selecting term insurance for heart patients may seem challenging, taking action today can provide invaluable peace of mind for tomorrow. Remember that each step you take towards securing appropriate coverage, whether it is consulting with insurance advisors, maintaining a heart-healthy lifestyle, or being transparent about your medical history, brings you closer to ensuring your loved ones’ financial security.

```html

FAQs on Term Insurance for Heart Patients

1

Can heart patients get term insurance?

Yes, heart patients can get term insurance, but it may be subject to additional scrutiny from the insurer. They may need to disclose their medical history, and some insurers may offer policies with specific terms based on the patient’s condition.

2

What factors affect term insurance for heart patients?

Factors such as the severity of the heart condition, age, lifestyle choices, and overall health will influence the premium and eligibility for term insurance. Insurers may also consider any ongoing treatments or medications.

3

Is term insurance for heart patients more expensive?

Yes, term insurance for heart patients is generally more expensive due to the higher health risks associated with heart conditions. The premium rates may be higher depending on the severity of the heart disease and the patient’s risk profile.

4

Do heart patients need a medical checkup for term insurance?

Heart patients are required to undergo a medical checkup as part of the underwriting process. The checkup helps the insurer assess the risk and determine the appropriate premium for the policyholder.

5

What coverage options are available for heart patients?

Heart patients can find term insurance policies with coverage options that may include critical illness benefits, hospitalization expenses, and even additional riders for heart-related conditions.

6

Can heart disease be a barrier to getting term insurance?

While heart disease may make it more challenging to obtain term insurance, it is not an outright barrier. Insurers may offer policies with exclusions or higher premiums, depending on the individual’s health and the specific condition.

Amit Raje
Written By :
Amit Raje

Amit Raje is an experienced marketer who has worked in various Fintechs and leading Financial companies in India. With focused experience in Digital, Amit has pioneered multiple digital commerce in India. Now, close to two decades later, he is the vice president and head of the D2C business department. He masters the skill of strategic management, also being certified in it from IIMA. He has challenged his challenges and contributed his efforts in this journey of digital transformation.

Amit Raje
Reviewed By :
Prasad Pimple

Prasad Pimple has a decade-long experience in the Life insurance sector and as EVP, Kotak Life heads Digital Business. He is responsible for developing user friendly product journeys, creating consumer awareness and helping consumers in identifying need for life insurance solutions. He has 20+ years of experience in creating and building business verticals across Insurance, Telecom and Banking sectors

Download Brochure

The information herein is meant only for general reading purposes and the views being expressed only constitute opinions and therefore cannot be considered as guidelines, recommendations or as a professional guide for the readers. The content has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Recipients of this information are advised to rely on their own analysis, interpretations & investigations. Readers are also advised to seek independent professional advice in order to arrive at an informed investment decision. Further customer is the advised to go through the sales brochure before conducting any sale. Above illustrations are only for understanding, it is not directly or indirectly related to the performance of any product or plans of Kotak Life.

Get a Term plan that offers high coverage at low, affordable premiums