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Age?
27
They don't give term plan for people having problems like heart disease, diabetes, etc.
They do provide but with high premium
Acute or Chronic?
Acute.
Some tips i can share.. research before opting for term insurance provider.. specially tata HDFC etc whose claim settlement ratio is high ask for compulsory medical test.. they wont accept ur application if they found any issues or ask to pay more premium.. never fix medical test appointment early morning.. sometimes blood pressure shows high in morning bcz of our unhealthy habits (less than 8hrs sleep, nt exercising daily, eating junk foods, etc). And Yes Don’t hesitate to pay more premium if u really required term plan and protect ur family.. Also just check if ur company provides any term plan with medical.. mostly accenture cognizant provide term plan not sure abt ur company
I applied for tata aia 3 months ago.. it got rejected bcz of above reason and they told me to pay extra premium amount.. I decided to not buy any term plan as of now.. I can suggest you to go with policybazaar and explain ur genuine case they will suggest best one as per ur need..
You can pay premium to me every year.. I will take care of you for all emergencies.. Unlimited limit