Online Term Insurance Denied by two companies – Where Do I stand now ?

POSTED BY junear ON July 12, 2014 8:21 am COMMENTS (3)


I am 30 years old, relatively healthy male person. I had one incident of Arthritis one year back.

I had applied for Online Term Life Insurance with Max Life and Aegone Religare. Unfortunately, both of the insurers have rejected my insurance based on medical history.

My question is – Where do I stand now? If I apply for an insurance in a different company, most likely it is getting rejected because of the past rejections. Does that mean I cannot have Life Insurance? Can IRDA or any organization help me on this regard?


3 replies on this article “Online Term Insurance Denied by two companies – Where Do I stand now ?”

  1. VinManHBK007 says:

    HDFC Click2protect is good and now LIC has online term plans available. Please try them out.

  2. junear says:

    Thanks… I will try LIC and HDFC out. LIC is from government, so they should be more responsible insurers!

  3. Nikhil Verma says:


    Every company has different mechanism for risk calculation. I would suggest to try with 1 or 2 more companies and mention all the details along with rejections and hopefully you will be lucky. Try LIC also.


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