Life Insurance With Medical History

1. Can I apply for Life insurance with a Pre-existing Disease

2. Many of us are not aware of different benefits of having life insurance. Moreover we have lots of misconception in our mind for insurance policy. For example, if any life insurance advisor is approaching us for buying a life insurance, we think that he is a salesman and that is wrong. Life insurance advisors are not salesmen but they are your well-wishers. If you buy insurance plan it will first benefit you then after your agent and insurance agency. Another misconception about life insurance is that, a person with pre-existing diseases will have to face lots of struggle to buy insurance, or some people thinks that, pre-existing diseases can disqualify eligibility to avail life insurance, which is absolutely incorrect. Firstly, you should find a trustworthy life insurance advisor near me in your area.

3. The common concerns behind the pre-existing ailments individuals are: Are they eligible for the coverage, can they pass the medical inspection or can they afford the high premiums and many more. Though, it is correct that a younger person gets the best offer and coverage because they are considered healthy as compared to middle aged people, but that doesn’t mean people with serious disease cannot opt for life insurance.

4. The Insurance Regulatory Development Authority of India(IRDAI) has explained pre-existing health condition as any injury or disease for that the insured individual had indications or symptoms/ were detected/ or obtained medical suggestions and treatment in the duration of 2 years before the first insurance plan allotted to the policy holder and renowned consistently”. Consider such conditions, several life insurance company has offered insurance plan accessible to such people. In that situation, get in to touch with a genuine life insurance agent in Noida and take his advice for the best option and he will guide you properly.

5. Life insurance companies generally decline giving coverage for any incurable diseases. But if the ailment can be treated and curable, the insurance company offer life insurance coverage. However individual with already-present diseases, have to make little bit higher premium payment based on the intensity of the disease and risk factor obtained by the insurance provider.

6. People with heart ailments, obesity, diabetes, obesity, thyroid, Kidney ailment, high blood pressure and cholesterol need to pay higher premium for their policy. The patients of HIV/AIDS, cancer, liver failure are not able to get coverage in any insurance because they are considered incurable. The most important note to remember that life insurance providers cannot reject any claims for death because of cancer and other severe health conditions for existing insured customers, however, life insurance provider may opt for not to increase life coverage to the people who have pre-existing diseases. Locate a credible life insurance agent near me in Noida and Delhi NCR and get whole information for buying insurance in such health conditions.

7. Original Source: https://bit.ly/2VwA5ac For more information Contact us Thank You