Digit Glow Term Life Insurance

Premium starting ₹301/month*

Date of Birth

Annual Income (In Lacs)

Mobile Number +91

I agree to the Terms & Conditions

Written By

Fathima Tabasum

Reviewed By

Ashok Manwani

Term Insurance for Heart Patients Online in India

Term Insurance is a crucial safety net for cardiology patients, given the higher risks associated with heart conditions. With cardiac diseases on the rise, having such coverage ensures financial security for individuals and their families. In an unexpected loss, it provides immediate funds, offering much-needed relief.

However, heart patients often face challenges securing term insurance, making it essential to understand the available options. Knowing term insurance for heart patients could help you better control your health and financial planning.

Insights on Term Insurance for Heart Patients

Term insurance ensures a family receives security in case the breadwinner patient has an unplanned health concern, particularly for patients suffering from pre-existing heart conditions. Understanding the various considerations of term insurance for heart patients helps facilitate informed decision-making.

Aspect	Details
Target Audience	Individuals who are suffering from heart disease or those who have a higher probability of heart disease due to their family history or their lifestyles.
Policy Duration	Typically, it is between 10 and 30 years, allowing the policyholder to choose the term that suits his financial planning.
Coverage Amount	This differs depending on individual requirements, existing debts, and what he would financially require for his loved ones.
Premium Payment Options	Based on the individual's financial strength, payment options such as monthly, quarterly, semi-annual, or annual are available.
Critical Illness Cover	This facility provides specific critical illness cover for heart-related diseases and the base policy.
Waiting Period	For term life insurance, heart patients have a waiting period of three to six months or three years. The waiting period varies from one insurance company to another based on the health condition.
Tax Benefits	Tax benefits under Section 80C can be obtained, while tax maturity benefits are tax-free under section 10 (10D) of the Income Tax Act where the conditions are satisfied.

Why is Term Insurance Important for Heart Patients?

Here are the significant reasons why term insurance plans for heart patients have become so important:

Leading Cause of Death in India

Heart disease is still one of the leading causes of mortality in India. More heart-related diseases are found in people who do not have an active lifestyle and consume poor food. In such cases, term insurance becomes a must for heart patients as their families will be able to sustain themselves even when they die suddenly from heart disease.

Cost of Delayed Action

Huge cost burdens are left to families after untimely tragedies if term insurance is delayed. Heart patients frequently find it impossible to get insured or receive high premium increases because of medical history, so it is best to act sooner rather than later.

Financial Protection

Term insurance provides much-needed financial security that accumulates for the benefit of the policyholder's beneficiaries in case of sudden death. It can be used to pay out daily living expenses, outstanding debts, and so on, mainly to cater to children's education and ensure that loved ones are not vulnerable.

Family Support

Term insurance for heart patients is intended to meet the emotional and financial needs of the family in their time of crisis. The loss of the principal earner of the family proves economically devastating and emotionally crippling. It reduces some casualties, allowing the families to survive their lifestyle and meet their financial commitments without any burden.

Why You Shouldn’t Wait to Buy Term Insurance?

Here’s a concise 4‑point breakdown of the video:

1. Lock in Low Premiums Early: Buying term life insurance in your 20s or early in your career secures much lower premium rates, which remain fixed over the policy term.

2. Guarantee Term Conversion Options: Many term policies offer conversion to permanent insurance later, providing flexibility as your financial needs evolve.

3. Fixed Coverage Meets Essential Needs: A term policy locks in coverage for 20–30 years, ensuring protection for dependents during critical income-earning years.

4. Buying Now Beats Waiting: Delaying can mean higher costs or health changes that increase premiums or disqualify you, so early purchase is a smart financial decision.

Expert Advice on Getting Term Insurance for Heart Patients

While looking for insurance companies that specifically cater to patients with pre-existing conditions, as they usually offer more favourable terms. Be truthful and transparent about your history when presenting your medical background. Familiarise yourself with the underwriting guidelines of various insurers because they could be so drastically different. Compare premium rates for different policies and look for the best fit for your budget while keeping coverage adequate.

For better navigation of your options, seek advice from an insurance advisor who specialises in health coverage. Take a look at the insurance company riders, which can help you add benefits such as critical illness coverage or a premium waiver.

Ashok Manwani

Vice President Products

How to Get Term Insurance for Heart Patients in India?

Here are five effective tips for choosing the finest term insurance provider for a term insurance plan for heart patients in India:

Find Reputable Insurers

Make a list of insurance companies that specifically offer term coverage for heart patients in India. Ensure these companies have a good reputation, ratings, and experience handling health-related policies. This way, you can get a provider who understands the peculiar needs of heart patients and presents coverage options tailored to them.

Check Eligibility

Insurance companies may have different eligibility criteria for candidates with pre-existing heart conditions. Make sure to look up the criteria, which usually depend on age, health history, and lifestyle, such as smoking or obesity. Confirm your eligibility first before applying to prevent denial or high premiums.

Medical Underwriting

Most insurers use medical underwriting to cover heart patients, including a health status assessment, a physical examination, and other medical tests. Ensure that you properly and truthfully provide all the past medical histories to your underwriter to assist your provider in undertaking correct underwriting.

Select the Right Insurance Policy

Compare term insurance policies and see which one best suits your needs. Look, for instance, at the coverage amount, premium costs, benefits, and any riders, such as critical illness coverage. Find a benefit that aligns most with the heart patient's needs, and ensure you maximise your use of a plan if it suits your needs.

Finalise Term Insurance Policy

After picking an appropriate policy, carefully review all terms and conditions before finalising your buy. Also, ensure you know the coverage offered, what is excluded from it, and any waiting periods. Fill out the application form, provide the necessary documents for verification, and pay the first premium to activate your policy.

Types of Policies Available for Heart Patients in India

Here are the different types of term insurance policies available for heart patients in India:

Term Insurance with Rider Benefits

This type of life insurance offers coverage for a specified period, ensuring a death benefit is paid to the beneficiary if the policyholder passes away during the term. Riders are optional add-ons that enhance the policy by offering additional protection.

For heart patients, critical illness riders are particularly valuable, as they provide a lump sum payout upon the diagnosis of conditions like heart disease, helping with immediate medical expenses or financial support.

Comprehensive Term Health Insurance Plans Covering Heart Ailments

Heart diseases tend to encompass very broad health insurance coverage, typically tailored to provide comprehensive coverage for any hospitalisation, treatments, and procedures related to heart disease.

These policies usually include benefits for pre-existing conditions, outpatient care, and follow-up treatments, ensuring patients afflicted with heart disease get the appropriate healthcare services without high financial costs.

Critical Illness Insurance with Term Plans

Critical illness insurance pays if the insured is diagnosed with a serious condition, such as a heart attack or undergoing bypass surgery. When combined with term life insurance, it offers comprehensive coverage, helping manage medical expenses and living costs during recovery.

Convertible Term Insurance

This cover will convert the term cover into actual permanent life insurance, albeit no medical check-up will be required for this cover. This would be very handy if a patient's condition deteriorates further since heart patient coverage would be ensured.

Eligibility Criteria to Buy Term Insurance for Heart Patients

Here are the eligibility parameters for heart patients opting for a term insurance policy:

Aspects	Eligibility
Age	The insured's age should be very significant to term insurance for heart patients, given that it will affect the premium value. This type of cover is very versatile when it comes to age coverage. Typically, you qualify for this cover if you are between 18 and 65 years old.
Citizenship	Term insurance for heart patients does not require citizenship. It can be purchased by any citizen of the country, whether Indian citizens or Non-Resident Indians.
Health Status	You should include information regarding the date of your first diagnosis, the severity of your condition, any treatments you have had or are still undergoing, use of tobacco products, history of other diseases such as obesity, diabetes, or hypertension, your family's heart disease history, and all medications you are currently being treated with.

Documents Required to Buy Term Insurance for Heart Patients

To purchase a term insurance plan, applicants are required to submit the documents listed below:

Identity & Address Proof

Income Proof

Age Proof

Medical

Factors to Consider Before Purchasing Term Insurance for Heart Patients

Here are the common factors to consider while buying term insurance plans for heart patients in India:

1. Read the Policy Clauses and Conditions: Before purchasing term insurance, a person must carefully read the clauses and conditions of the policy. This includes coverage details, exclusions, and specific terms that may relate to a pre-existing heart condition. Awareness of these terms helps avoid surprises later, and the individual gets assurance that the policy meets the needs and requirements.

2. Full Disclosure: All heart patients should be obligated to fully disclose all matters regarding their heart condition during the term of insurance. Without such vital health history disclosure, the insurer may disagree to pay a claim or even cancel the policy. Transparency first earns an underwriter a credit while ensuring their coverage stands valid when it is most needed.

3. Factor in the Waiting Period: The waiting period attached to the policy is crucial for heart patients, as claims for pre-existing conditions aren’t payable during this time. Knowing this helps in planning properly and setting realistic expectations about when coverage will be available, which can be vital in an emergency.

How to Choose the Right Term Insurance for Heart Patients?

Following are the essential tips to follow at the time of choosing term insurance for heart patients in India:

1. Understand Your Health Status: You must understand your existing health situation. It will include your medical history, the severity of your heart condition, ongoing treatments, and dietary and exercise habits. This knowledge will enable you to communicate properly with insurance companies as you weigh your options for term insurance policies.

2. Research Insurance Providers: Underwriting terms may not be the same for all insurance providers. Identify some of the insurers known to favour people with heart-related conditions and seek some reviews and ratings together with settlement rates of claims.

3. Compare Plans: Select a few providers and compare their term insurance plans side by side. Consider coverage amounts, premium rates, policy terms, exclusions, and riders. Use a term insurance calculator to help determine the appropriate coverage amount. Ensure the coverage meets your needs and is reasonably priced.

How to Buy Term Insurance Policy Online?

The five easy steps to buy term life insurance plans are as follows:

Visit Digit Website/App

Visit the official Digit Life Insurance website or app and compare the types of life insurance policy options and fill in your personal information.

Coverage & Payment

Now it’s time to choose your ideal coverage, premium payment methods, and any additional benefits you want!

Payment & KYC

Complete your payment, and then finish the KYC process and fill in your nominee details.

Access Documents

Congratulations! Your policy documents will be sent to your email and WhatsApp. You can also access it 24/7 on the Digit App.

How to Download Term Insurance Policy Document With Digit App?

Need a copy of your term insurance policy document? You can download it easily through the Digit App by following these simple steps:

Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.

Visit ‘Active Policies’

Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.

Download the Policy

Done! You can save, share, print or email the policy for future reference anytime, anywhere.

Complimentary Wellness Benefits for Digit Life Customers

With your Digit Life Insurance, you also get exclusive access to a wide range of wellness perks, making taking care of yourself easier and more affordable:

Unlimited 24×7 Teleconsultations with General Physicians

Get expert medical advice anytime, anywhere.

Mental Health Consultation & Services

Speak to top specialists in Mental Health, Women’s Health, Diet & Nutrition, and more, at flat 50%!

Diagnostic Tests & Health Check-Ups

Stay ahead of health concerns with affordable screenings and lab tests.

Specialist Teleconsultations

Speak to top specialists in Mental Health, Women’s Health, Diet & Nutrition, and more, at flat 50%!

Women's Health Care Programs

Pregnancy Care Programs, access to Mum Support Group, PCOS/PCOD Care Programs, Maternity Support and much more!

Physiotherapy Sessions

Stress and Pain relief covered with exclusive discounts on Physiotherapy consultation and session bookings.

Dental Consultation Offers

Avail unlimited, free dental consultations and exclusive discounts on dental treatments.

Sexual Wellness

Get flat 15% discount on Sexual Wellness Programs!

Chronic Care Support Programs

Personalized assistance for long-term health conditions.

99.53% Claim Settlement Ratio For Digit’s Life Insurance - FY'25

When life takes an unexpected turn, every second matters. With a 99.53% Claim Settlement Ratio (CSR), Digit Life Insurance stands as a pillar of trust and reliability. This isn’t just a statistic; it’s a promise to our policyholders.

Every claim tells a story. Whether it was a salaried parent overcoming loss, a child’s future hanging in the balance, or a spouse seeking stability, we acted fast to bring peace of mind to grieving families.

That’s why we are committed to settling genuine claims swiftly, transparently, and with compassion, ensuring that your loved ones receive the support they need when it matters most.

₹2.88 Billion Worth Claims Paid in FY'25

At Digit, we don’t just talk about protecting families; we actually do it. In the last financial year, we paid ₹2.88 billion to families who lost a loved one. That’s a big jump from ₹351.52 million a few years ago, showing how much we have grown and how seriously we take our promise.

Every payout represents a family supported, a future safeguarded, and a promise fulfilled. We make sure claims are settled quickly and clearly, with zero confusion, so families don’t have to worry during tough times.

15,000+ Claims Settled in FY'25

At Digit, numbers aren’t just metrics; they are milestones of real lives touched. We are proud to share that the number of families we have supported through life insurance has soared from just 600 to 15,596 – a 25x growth that reflects the deep trust people place in us. That means thousands more families received the support they needed during life’s toughest moments. It shows how more and more people are choosing Digit to stand by them in their most vulnerable moments.

Solvency Ratio for Digit's Life Insurance in FY'25 is 3.85

At Digit, being financially strong isn’t just a goal; it’s how we earn your trust. Our solvency ratio has grown from 2.07 to 3.85, which means we are more than ready to keep every promise we make.

This number shows we have more than enough funds to pay claims and support families, even in tough times. In fact, our ratio is nearly double the required limit, giving you extra peace of mind.

Because when you choose life insurance, you are not just buying protection; you are trusting us with your family’s future. And we take that seriously.

Disclaimer: This report offers an overview of Digit Life Insurance’s performance, highlighting the growth in premiums, solvency ratio, and claims settlement metrics (CSR, claims paid, and claims settled), based on the company’s FY’25 internal data. The information is intended for general awareness only and should not be considered financial advice. Past performance may not reflect future outcomes.

[Source]

How Can Critical Illness Coverage Complement a Term Insurance Policy for Heart Patients?

Critical illness coverage significantly supports term insurance for heart patients. On diagnosis with major critical illnesses like a heart attack or stroke, patients are provided with a lump-sum amount. The amount may be used to pay medical costs, treatment charges, and living charges during the patient's recovery phases.

While term insurance provides coverage for dependents in case of an untimely demise, critical illness coverage will ensure the patient has sufficient money to handle his health crisis effectively.

FAQs about Term Insurance for Heart Patients

All

Eligibility

Features

Premiums

Claims

Can heart patients apply for term insurance in India?

Yes, a person with a heart condition can purchase term insurance in India. However, the process would depend on the individual's health condition and the policies adopted by an insurer. Most companies have plans tailored for those with pre-existing heart conditions and may seek detailed medical information at the time of purchase.

What are the eligibility criteria for heart patients to get term insurance?

Eligibility criteria for heart patients to be insured include age criteria, complete medical check-ups, and a comprehensive history of their medical condition. Insurance companies may also consider lifestyle habits such as smoking and may call for a medical examination or even documentation.

How does having a heart condition affect term insurance premiums?

In general, heart condition sufferers pay higher premiums on their term insurance due to the risk factors associated with the ailment. The premiums depend on the seriousness of the condition, the history of treatment, and the applicant's general health.

Are there specific term insurance plans designed for heart patients?

Yes, most insurance companies these days offer top-notch term insurance plans for heart patients. These plans may cover more by offering critical illness coverage or customised premiums according to their medical conditions. The plans are generally more flexible in their terms and conditions than standard policies.

What documents are required for heart patients when applying for term insurance?

Typically, identification proof such as an Aadhaar or PAN card, age proof such as birth certificate, detailed medical records, and any other proof of income are required. Insurance companies sometimes request a duly completed application form and conduct medical tests.

What medical tests are necessary for heart patients to qualify for term insurance?

Blood tests, ECG (echocardiogram), or stress tests may be conducted based on the individual's age, health, and insurance requirements. Medical tests will assess the applicant's overall heart health and vulnerability.

Can heart patients avail of critical illness riders with term insurance?

Heart patients can often avail themselves of critical illness riders with term insurance that allows a lump sum benefit on diagnosing defined critical illnesses, such as specified heart diseases. This further gives added protection in times of severe health events.

What factors should heart patients consider when choosing a term insurance plan?

Heart patients must consider several factors when deciding on a term insurance plan, including the cost of premiums, coverage amounts, exclusions, the waiting period for pre-existing conditions, and additional benefits such as critical illness riders.

How can heart patients reduce their term insurance premiums?

The overall health of heart patients can also be improved in terms of lifestyle and reducing premiums by keeping fit, quitting smoking, and reducing stress levels. Further, a comparison of multiple policies can help find better rates.

Are there any exclusions for heart patients in term insurance policies?

Yes, there are certain exclusions for term insurance for heart patients, including self-inflicted injuries, heart complications arising from pregnancy, injuries caused by hazardous activities, alcohol or drug usage, internal congenital diseases, and chemical, nuclear, or biological attacks.

Can heart patients get coverage if they have undergone angioplasty or bypass surgery?

Yes, heart patients who have undergone angioplasty or bypass surgery can still obtain coverage, although at higher premiums or with special conditions about the condition. Insurers will estimate their health status after surgery in the underwriting process.

What is the waiting period for heart patients in term insurance policies?

The waiting period may be different for different insurance providers. Heart patients may have to wait between 6 months and 3 years to obtain term insurance.

How does a family history of heart disease affect term insurance eligibility?

A family history of heart disease may influence terms and premium rates when one buys term insurance. The insurer may consider it an increased risk factor that may lead to higher premiums or specific exclusions in the policy.

Can heart patients increase their coverage amount after a few years?

Yes, most insurance companies allow insured individuals to increase coverage a few years later using a rider option or policy review. Of course, this may involve health assessments and more significant premiums.

What happens if a heart patient conceals their medical history during application?

Concealing medical history may result in denying claims or cancelling the policy. Insurance providers reserve the right to inquire about inconsistencies, and failure to disclose pertinent information could nullify the contract.

Do heart patients need to undergo regular medical check-ups to maintain their policy?

While not all insurance companies require annual check-ups, some might actually require periodic health checks, especially for individuals under high-risk coverage. Such evaluation will enable the insurer to monitor the policyholder's health status.

Can heart patients claim term insurance benefits if they have a recurrence of heart issues?

Generally, heart patients can claim benefits for death caused by a recurrence of heart issues if the clients have disclosed their medical history and are in compliance with the terms of the policy. However, acceptance of the claim will depend on conditions subject to the policy.

What is the difference between term insurance and critical illness insurance for heart patients?

Term insurance pays a death benefit to a beneficiary in case the policyholder dies during the policy's term. Contrariwise, critical illness insurance pays a lump sum if a specific illness, including heart disease, is diagnosed and can be used for medical costs or recovery.

Can heart patients convert their term insurance policy into a whole life insurance plan?

Some insurers offer conversion options for policyholders to switch from term to whole life insurance without undergoing further underwriting. However, these options vary from one insurer to another, so consult the terms of one's policy.

Why is a ₹1 crore term plan recommended for heart patients?

A ₹1 crore term plan is recommended because it provides substantial financial protection for your family. This amount can cover medical expenses, outstanding debts, and ensure your family's financial stability in your absence.

What is better for me as a heart patient, term or health insurance?

As a heart patient, health insurance is crucial for covering ongoing medical expenses, treatments, and emergencies. Term insurance provides financial support to your family in case of your death. Ideally, having both ensures comprehensive coverage for medical needs and financial security for your loved ones.