• Term insurance for diabetics and heart patients is issued after medical underwriting and risk assessment. 
• Premiums may increase based on factors such as age, illness severity, and medical history. 
• Term insurance medical test requirements may include blood tests, ECG, or health reports.  
• Insurance Regulatory and Development Authority of India (IRDAI) mandates non-investigative claim settlement within 15 days after receiving all required documents. 
• Life insurance plans starting at Rs. 14/day* are available for eligible applicants. 

Compare term insurance plans, review disclosure requirements carefully, and understand how medical conditions may affect premiums and coverage before buying.

Term insurance with pre-existing disease refers to life insurance coverage for people who already have a medical condition before buying the policy. These conditions may include diabetes, hypertension, thyroid disorders, heart disease, or past medical treatments.

The insurer reviews your health condition through medical underwriting before issuing the policy. Depending on the medical risk, the insurer may approve the policy with premium loading, exclusions, or additional medical checks. 

Honest disclosure is important because incorrect information can affect future claim settlement. IRDAI rules also require material information relevant to underwriting to be disclosed and place importance on complete and accurate proposal information.

Yes, you can buy term insurance with pre-existing disease in many cases. Insurers may still provide coverage after checking your medical records, lifestyle details, and current health condition.

People looking for term insurance for diabetics, term insurance for hypertension, or term insurance for heart patients may need medical tests before approval. The insurer decides the premium and coverage conditions based on the underwriting outcome. Some applicants may receive higher premiums because of increased health risk.

The insurer evaluates several medical and financial details before approving term insurance with pre-existing disease.

• Medical history disclosure: You must share complete details about past and current illnesses during application. 
• Health condition stability: Insurers may review whether your diabetes, hypertension, or heart condition is controlled with treatment. 
• Medical test results: Term insurance medical test reports may affect eligibility and premium loading decisions. 
• Lifestyle assessment: Smoking habits, alcohol consumption, and occupation may affect underwriting evaluation. 
• Policy coverage amount: Higher coverage amounts may require stricter underwriting and additional medical checks. 
• Age and health combination: Older applicants with multiple health conditions may face stricter assessment during approval. 

• Medical underwriting impact: Insurers review health reports before deciding premium pricing and policy conditions. 
• Premium loading possibility: People with chronic illnesses may receive higher premiums compared to standard applicants. 
• Health management matters: Controlled medical conditions may improve underwriting assessment in some cases. 
• Smoking increases risk: Tobacco use along with PED may further increase insurance premiums. 
• Coverage amount affects pricing: Higher life cover generally increases the premium payable. 
• Medical history review: Past surgeries, hospitalisation, or ongoing treatment may affect premium calculation.

Some plans may come with a premium loading factor. Premium loading means an insurer charges an additional premium because its underwriting assessment considers the applicant to carry a higher risk. There is no standard percentage of premium loading for every pre-existing disease. The insurer decides the amount, if any, after assessing the individual application.

Follow these steps:

1. List your medical conditions: Mention conditions such as diabetes, hypertension, heart disease or thyroid disorders.
2. Share treatment details: Provide information about medicines, treatment and regular consultations.
3. Submit genuine medical records: Provide the reports requested by the insurer.
4. Answer lifestyle questions accurately: Declare smoking and alcohol habits honestly.
5. Mention previous hospitalisation: Include relevant admissions, surgeries and major treatments.

6. Review the proposal form: Check all answers before submitting the application.

   
   
   

• Disclose your illnesses honestly: Do not hide known medical conditions.
• Complete requested medical tests: Follow the insurer's medical examination process.
• Keep medical records: Store prescriptions, reports and treatment documents safely.
• Pay premiums on time: Keeping the policy active is important for continued cover.
• Tell your nominee: Make sure your family knows about the policy and where the documents are kept.
• Read the policy carefully: Check the cover, exclusions and other applicable conditions before accepting the policy.

Section 45 of the Insurance Act, 1938 also sets rules around when a life insurance policy can be called into question for misstatement or suppression of material facts.

Yes, people with diabetes can get term life insurance in India, but approval and premium depend on factors such as the type of diabetes, HbA1c levels, age, overall health, treatment and other medical conditions. Insurers may charge a higher premium or apply other underwriting terms based on the health assessment.

For example, some insurers offer dedicated term plans for Type 2 diabetics and pre-diabetics, subject to specific eligibility criteria.

Important: Applicants should disclose their diabetes and medical history accurately. Non-disclosure of relevant health information can affect future claims.

1. Click on ‘Get Quote’: Open the life insurance page and select ‘Get Quote’ to begin the online application.
2. Enter your basic details: Provide your name, mobile number, email ID, date of birth and gender to generate a personalised premium estimate.
3. Share additional information: Enter details such as your lifestyle, occupation, education, income and PIN code, then select ‘View Plans’.
4. Review the available plans: Compare the premium, coverage, policy details and applicable rider options.
5. Select a plan and apply: Choose the plan that matches your requirements and select ‘Buy Now’ to proceed.
6. Complete the next steps: An authorised representative may contact you to explain the available products and guide you through the remaining application and documentation requirements.

Buying term insurance with pre-existing disease is possible if you disclose your medical condition honestly during application. Conditions such as diabetes, hypertension, or heart disease may increase premiums because of medical underwriting and risk assessment.

Before choosing a policy, compare coverage details, medical requirements, and premium conditions carefully. Proper disclosure, timely premium payment, and accurate documentation can help reduce the chances of future claim-related issues and support smoother policy servicing for your family.