Can Heart Patients Get Term Insurance? Yes—Here’s What You Need to Know

The last week of September reminds us of a simple truth – the importance of eating right, staying active and keeping stress under control. It’s World Health Day and it’s a reminder not only to take care of our health but also think about the people who depend on you – your family, your business and your loved ones. This is even more personal for someone who already has a heart condition.

While medicines, treatments, and lifestyle changes can protect your health, term insurance is what protects your family’s future. It is important to choose the right term insurance policy, be honest about your health, to ensure that your loved ones don’t face financial strain in difficult times.

Why is it important for heart patients to consider Term Insurance?

There are endless medical expenses in addition to the treatment for any heart ailment. Depending on the age and overall health, recovery may take some time, resulting in work getting affected. Families are often juggling between managing health and the finances, and there is always the “what if” factor that plays on your mind.

This is where term insurance plays a big role. It provides a financial safety net so in a situation where life takes an unexpected turn, your family doesn’t have to worry about hospital bills, loans, or day-to-day expenses.

RNLIC’s Super Suraksha Term Plans are designed exactly with this in mind—offering high coverage at affordable premiums, so you can protect your loved ones without stretching your budget.

Is a heart patient eligible for Term Insurance?

Yes, but the process is a little different compared to someone without pre-existing conditions.

• The premiums are higher compared to a healthy person.
• Insurers will carefully check your medical history.
• Some might ask for doctor’s reports or recent test results.

It all depends on how severe your condition is, how well it’s managed, and what your overall lifestyle looks like.

What are the different types of heart conditions and how does insurance impact?

Not all heart issues are the same, and insurers know that.

• Mild conditions (like controlled hypertension, early detected issues, or patients managing well with medicines) most often qualify for term plans.
• Moderate to severe cases (recent heart attack, multiple surgeries, congenital heart disease, uncontrolled complications) face stricter terms. Some policies may exclude certain risks or provide limited cover.

Which documents and medical tests are required?

• Doctor’s reports, discharge summaries, prescriptions.
• Tests like ECG, echocardiogram, stress test, and blood reports.

Truth and only the truth

Please ensure you never hide any medical details. Not disclosing your condition honestly, may lead to the insurer rejecting your claim later. Transparency at the start means peace of mind in the long run.

Who is not eligible for term Insurance?

• Individuals who recently suffered from a heart attack or surgery (there is a waiting period before reconsidering).
• Severe ongoing complications or multiple health issues.

But remember one thing, rejection from one insurer doesn’t mean rejection everywhere. Different insurers have different underwriting rules, and some specialize in covering high-risk profiles. So, it’s important to research well based on your health conditions.

Which policy will work best for heart patients?

There is no one-size-fits-all answer, but here’s what usually works well:

• Term plans with riders (critical illness, waiver of premium, accidental death).
• Plans from insurers like RNLIC who are known to cover pre-existing conditions.
• An insurer who has a good claim settlement ratio or reliability — RNLIC boasts an impressive claim settlement ratio of 99.8% (as of March 31, 2025), ensuring peace of mind when it matters most.
• Sometimes, even whole life or ULIP policies are easier to get compared to plain term, depending on your health profile.

Can you make a claim if you have an existing heart disease?

Yes. If you were truthful at the time of buying, your family can claim benefits. The insurer accepts your application after evaluating your condition, so the cover is valid.

If health details were hidden or misinterpreted while buying the policy, the family may face challenges during claim. It is therefore imperative to disclose all details.

Think of the bigger picture – Protection beyond health

On World Heart Day, we usually talk about protecting the heart with better food, exercise, and regular check-ups; but protecting your family’s heart matters too. If you are a heart patient, buying a term insurance is like buying peace of mind for yourself and your loved ones. So, take that step today and prepare yourself for every possibility. Talk to your advisor now.

Mktg/RNLIC/blog_healthday/V1/Sep25

RNL Super Suraksha Term Plans – These feature two products RNL Super Suraksha Elite, a non-linked non-participating individual pure risk /savings Life Insurance Plan (UIN: 121N148V01) & RNL Super Suraksha Plus, a non-linked non-participating individual pure risk /savings Life Insurance Plan (UIN: 121N149V01) . T&C Apply.

Visit Us: https://www.reliancenipponlife.com/

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