TERM INSURANCE FOR PERSON HAVING AUTOIMMUNE DISEASES

POSTED BY Aalap Parekh ON August 26, 2012 2:09 pm COMMENTS (8)

Hello

I am 30 Yr Male. Just wanted to know is there any Term insurance or any kind of life insurance for person surreing from AUTOIMMUNE DISEASES (Lupus). I have applied for Term insurance but two of the insurance company has rejected my application because I am suffering from AUTOIMMUNE DISEASES (Lupus since 2008) Also note that I have declared my all medical reports and facts to these insurance company!!! Can any one suggest path forward?means any insurance company can give me term insurance or any kind of insurance agaist this?? or I am not eligible for any kind of insurance??

Thanks

Aalap

8 replies on this article “TERM INSURANCE FOR PERSON HAVING AUTOIMMUNE DISEASES”

  1. Dear Aum Kal, if you opting the separate registration for these flats as I suggested above, both flats ‘ll be less than 15L Rs. valuation & thus these ‘ll be eligible for priority sector lending & hence 85% loan financing.

    So it’s very much possible to get 85% loan as well as 1% interest subsidy. On a different note, this interest subsidy ‘ll remain in future of not, I can’t comment. My guess is as good as yours’.

    Thanks

    Ashal

    1. Dear Aalap, please ignore that home loan reply as it’s wrongly posted in your discussion.

      Thanks

      Ashal

  2. Dear Aalap, for your given condition, my take ‘ll be to go for a small cover say 5L Rs. from LIC’s Anmol Jeevan. Once that cover from LIC or any other insurer is there, apply for a big cover say 25L or 50L Rs.

    Thanks

    Ashal

  3. Dear Aalap, is this the decease, you are talking about –

    http://en.wikipedia.org/wiki/Lupus_disease

    Thanks

    Ashal

    1. Aalap Parekh says:

      Dear Ashal Thx for reply.
      Ya its Lupus, but I am working very fine since its diagnosed..
      I had applied for online plan for HDFC life & Aviva ,which were rejected .
      But my query whether I am eligible or not? for any kind of insurance coz as the medical test is must and based on that i believe insurance company has right to reject. is it so?? I doubt..!!l
      Lets c

      Thnx
      Aalap

      1. Dear Aalap, I’m not a medical expert person so from that point of view can’t comment for the risk associated with your life that an insurance cos. perceived.

        But one thing is sure, if you are taking proper medication & the decease in question is not at life threatening stage, you ‘ll be able to get a cover.

        Instead of opting for online cover, go for offline plans first.

        Thanks

        Ashal

  4. Dear Aalap, had you tried with LIC?

    Thanks

    Ashal

  5. Dear Aalap, had you applied for online plans or offline plans?

    Which were these 2 cos that rejected your application?

    Thanks

    Ashal

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