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Term Insurance for Heart Patients

A term insurance for heart patients offers financial cover that supports loved ones in case of your unfortunate death from a heart disease... Read more These plans provide a fixed sum assured and may include options linked to heart-related risks. Disclosure of medical records, medical tests, and careful policy selection play a key role. With proper evaluation and guidance, heart patients can secure meaningful life cover through a reliable insurer. Read less

A term insurance for heart patients offers financial cover that supports... Read more loved ones in case of your unfortunate death from a heart disease. These plans provide a fixed sum assured and may include options linked to heart-related risks. Disclosure of medical records, medical tests, and careful policy selection play a key role. With proper evaluation and guidance, heart patients can secure meaningful life cover through a reliable insurer. Read less

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Get Life Cover of ₹1 Crore by paying a premium of

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₹8,287

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₹ 4.2 Lakh

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Discounts

2% Milestone discount

2% discount on 1st year premium on these milestones

Event	Eligibility
Wedding (1 wedding only)	Within 6 months before or after the date of wedding
Birth/ Adoption of 1^st child*	Within 6 months before or after the birth/ adoption date
Home loan	Within 6 months of loan getting sanctioned
First job	Within 6 months of joining date

*Policy issuance eligibility for female customers will be determined by Board Approved Underwriting Policy (BAUP)

The above milestones cannot be clubbed to avail more discount, Such discount shall be capped to a maximum of ₹500 over the year.

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Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, Pure Risk, Individual Life Insurance Product (UIN:110N176V011)

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Get ₹1 Crore Life Cover
@₹501/month¹

Up to 18.5% discount² (1^st year premium)
Return of premium³ option
4 hour claim settlement⁴

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What is term insurance for heart patients

A term insurance plan for heart patients is a life insurance policy that gives a lump sum payout to your family if the insured person passes away during the policy term. It is designed for people who have heart-related medical histories, such as angioplasty, bypass surgery, or other cardiac issues.

Example: Suppose Amit (age 42) had a heart procedure 2 years ago and bought term life insurance for heart patients; his nominee will receive the sum assured if Amit dies during the policy term, even if the reason is heart-related.

Why is term insurance important for heart patients?

Heart diseases are rising in India and are linked to a large number of deaths. According to a World Health Organisation (WHO) report, cardiovascular diseases contribute to 27% of deaths in India1, and heart attack cases have also seen a sharp increase. This risk makes financial planning more important. The heart patient term insurance plan supports your family’s, offering protection if the patient faces sudden health complications. It helps your loved ones manage daily costs, loans, children’s education, and medical dues without solely depending on savings.

How to secure term insurance for heart patients?

Buying a heart patient's term insurance plan requires planning. Instead of rushing, focus on finding the right policy and ensuring you have the correct documentation.

Select a trusted insurer

Compare various insurers and find the one with suitable terms; they can guide you through plan selection, riders, and claim-related terms.

Share complete medical details

You need to share diagnosis reports, treatment history, surgeries, hospital papers, and ongoing medicines.

Complete medical tests

The insurer may request an electrocardiogram (ECG), blood tests, a treadmill test, or other checks based on your condition.

Wait for underwriting approval

Once you submit the necessary reports and documents, the insurer reviews your application and health reports and then confirms your eligibility.

Pay the premium and start the cover

Once your application is approved, pay the premium to activate your term plan for heart patients.

Key factors when buying term insurance for heart patients

Choosing the right policy is not only about approval. It’s also about the quality of the cover. Consider the following points while buying term insurance for heart patients.

Type and stage of heart condition

A serious heart condition may lead to higher premiums or strict policy terms. However, mild cases often receive policies with comparatively low premiums.

Medical records and past treatment

Insurers check your past reports, surgeries, recovery progress, and follow-ups before confirming coverage. Ensure you have all the reports in good condition.

Lifestyle habits

Smoking, alcohol intake, high body mass index (BMI), and poor fitness levels can impact approval and premium calculation.

Policy term and sum assured

Choose a coverage amount that aligns with family needs, loans, and future goals, and ensure it fits in your monthly budget.

Add-ons and riders

Riders like critical illness can provide extra protection. Read inclusions, exclusions, and claim conditions. Additionally, this may result in a slightly high premium.

Waiting period and exclusions

It is important to understand what is covered and what is not. Additionally, some policies have a waiting period for certain riders.

Tips for securing term insurance for heart patients

While buying term insurance for heart patients, follow the tips listed below:

Focus on a heart-friendly routine

Daily walking, low salt intake, and stress control show stable health patterns during underwriting reviews.

Keep health reports ready

Organised medical papers reduce delays and help the insurer assess your application faster and more accurately.

Apply early after stabilisation

Once your condition is stable, applying sooner may support suitable terms than waiting for more complications.

Select coverage based on liabilities

The sum assured should be enough to cover the home loan, education needs, and monthly household costs in case of your untimely death.

Avoid hiding details

Wrong information may lead to delays or even claim rejection, whereas full and true disclosure of health conditions can help you get a policy quickly and improve long-term claim security.

Conclusion

Term insurance is a valuable financial tool for people with heart conditions who want to protect their family’s future. Even with a medical history, it is possible to get life cover by sharing correct health details and choosing the policy carefully. Early planning, honest disclosure, and proper medical evaluation improve the chances of approval. A suitable term plan can provide financial support to loved ones during difficult times. With responsible decisions and guidance, heart patients can secure peace of mind and long-term financial protection for their family.

Which policy is best for heart patients?

Term insurance is one of the suitable policies for heart patients, as it offers high life cover at affordable premiums.

Can heart patients get term insurance?

Yes, heart patients can get term insurance, but insurers may request medical records, tests, and apply special terms.

What coverage options are available for heart patients?

Coverage may include life cover, critical illness benefit, and riders for heart-related risks, depending on the policy.

Can heart disease be a barrier to getting term insurance?

Heart disease can affect premiums or terms, yet it does not fully prevent access to term insurance coverage.

Does age affect the chances of heart patients getting term insurance?

Yes. Early diagnosis in the 20s or 30s may make approval tougher than diagnosis later, such as in the 50s.

Tata AIA Sampoorna Raksha Promise - Non-Linked, Non-Participating, pure risk, Individual Life Insurance Product (UIN:110N176V11)
¹As per the duly approved product design and terms & conditions of the product, illustrated premium of ₹501 is the monthly premium for a 20 yr. old female, Standard Life, Non-Smoker for ₹1 Cr. Sum Assured with Policy Term of 20 yrs. (Regular Pay) under Life Promise Option of Tata AIA Sampoorna Raksha Promise with first year premium discount of 10% for digital purchase and 8.5% for salaried person. Please refer Benefit Illustration for more details.
²As per the duly approved product design and terms & conditions of the product, this includes first year digital discount of 10% for Limited Pay/Regular Pay and 8.5% salaried discount. For Single Pay, 1% discount will be available for online purchase and salaried discount each.
³Under Life Promise Plus Option, an amount equal to the 100% of the Total Premiums Paid (excluding loading for modal premiums) shall be payable at the end of the Policy Term, provided the life assured survives till maturity and the policy is not terminated earlier.
⁴Applicable to only non-early claims with more than 3 years of policy duration, non-investigation cases, up to Sum Assured of ₹50 Lakh. Applicable for branch walk in. Time limit to submit claim to Tata AIA Life Insurance is 2 pm on working days. Subject to submission of complete documents. Not applicable for ULIP policies and open title claims.
⁵https://www.who.int/india/health-topics/cardiovascular-diseases
This product is underwritten by Tata AIA Life Insurance Company Ltd.
The plan is not a guaranteed issuance plan, and it will be subject to company’s underwriting and acceptance.
Insurance cover is available under this product.
For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
Buying a Life Insurance Policy is a long-term commitment. An early termination of the Policy usually involves high costs, and the Surrender Value payable may be less than the all the Premiums Paid.
In case of non-standard lives and on submission of non-standard age proof, extra premiums will be charged as per our underwriting guidelines.
L&C/Advt/2026/Feb/0845