Life Insurance With Medical History

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

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• 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 doesnt mean
  people with serious disease cannot opt for life
  insurance.

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• 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.

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• 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.
•  

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• 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. 

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