Life Insurance With Pre-Existing Medical Conditions

Having pre-existing medical condition shouldn’t stop you from getting life insurance.

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Why choose the Thaiger?

Let the Thaiger help you select the best premiums for life insurance with pre-existing medical conditions and free you from any worries. Don’t let pre-existing medical conditions stop you from exploring the pristine beauty of Thailand.

Understanding Pre-Existing Medical Condition

Any health conditions you have or have had prior to buying a life insurance policy are known as pre-existing conditions. This may be a medical condition that needs ongoing care, one that has already needed treatment, or even one that has been successfully treated in certain cases.

Health conditions have an effect on the amount of risk posed to the insurer by covering you, so life insurance providers must be aware of them. Someone who has already had cancer, for example, could be considered a greater insurance risk than someone who does not have a pre-existing condition because they are more likely to file a claim.

Diabetes, heart disease, high blood pressure, high cholesterol, obesity, and different types of cancer are some of the most common pre-existing conditions that affect life insurance.

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How to buy life insurance if you have a pre-existing condition

If you have a pre-existing condition you can seek advice from a licensed insurance provider. Agents represent a variety of companies and have the knowledge to decide which insurer can provide you with the best rates.

As an individual

Using an agent or broker for they are familiar with the underwriting requirements for each condition and can consult with the insurer ahead of time to find out how the firm treats a specific condition.


A guardian will direct you to a financial advisor who can help to ensure that your agent will adequately advocate on your behalf, be open and frank with them about your medical condition.

At work

Check with your employer to see if a group life insurance plan is available. The coverage could be limited to one or two times your annual salary, but acceptance is possible.

Tips for buying life insurance with a pre-existing condition.

If you’ve been diagnosed with a medical condition, you’re probably considering purchasing new life insurance or boosting your healthcare plan. However, because life insurance companies take pre-existing conditions into account when making underwriting and pricing decisions, you may have trouble finding affordable life insurance coverage.

Be Mindful of the Timing

The timing of when you apply for life insurance is essential. You shouldn’t apply for life insurance soon after a heart attack or cancer diagnosis since you are more likely to get denied. Wait for a little longer after you get treatment. If your medical records show that your treatment is effective, your chance of getting approved will be higher.

Focus on the Things You Can Control

Take care of yourself first in order to find affordable life insurance with a pre-existing condition. Take your medication if you have it. Exercise if you can and eat a balanced diet and try to maintain a healthy weight. If you live a healthy lifestyle aside from your condition, your insurance premiums may reinforce that.

Take Advantage of Improvements in Your Health

If you are accepted for life insurance, but you are charged with a more expensive premium, you can request to get a new medical exam and a lower premium after your medical condition is under control.

Customer Ratings


14 reviews

Customer Reviews


What a fantastic service from beginning to end, everyone was super polite, efficient, and friendly, especially Khun Dee, who had to work hard as there were lots of complications with my insurance. well done!

Timothy Brown


The staff are so awesome! I have lost confidence in finding insurance since I was always denied because of my pre-existing health conditions. Thaiger’s team remained positive and committed to my cause. Thank you!

Lee Wang


I got a low-cost quote for a fantastic policy. The assistance I got over the phone was outstanding, and I received my policy in my email within 2 minutes after purchasing it. Excellent Service.

Justin Lee


Never knew that the Thaiger had life insurance that covered my health problems, wonderful addition to the Thaiger, will be recommending to others that can benefit from the coverage as I have.



Easy to access website, specific and accurate information, and very good to know what my options are.

Lisa Moore


I assume there are some professionals employed here. All troubles and issues were taken care of in a matter of minutes. I feel that everything was under complete control.

Vincent Ho

Types of Life Insurance

With a pre-existing medical condition, there are three main types of life insurance you can apply for. Remember that every insurer is different, and not all of them may accept your application. Still, make sure to choose the most appropriate type for you and your dependents.

Level-term life insurance lasts for a set period of time, usually between 10 to 30 years before it expires. It is one of the most affordable and straightforward life insurance options: you pay premiums, and if you pass away during the term, your beneficiaries get death benefit from the insurer. If you outlive the term, the policy expires, and you don’t have to pay for the premiums anymore.

This is the best option if you want to ensure that your loved ones are financially secure when you die. You are guaranteed to pay the same price no matter how long your insurance is active. The death benefit stays the same as well.

Key Points:

  • Best for anyone looking for predictability as the death benefit stays the same, so you know exactly how much you’ll be leaving to your beneficiaries.
  • Budgeting becomes easy since the premium won’t change for the entire life of the policy.
  • The policy only pays out during the term.

With decreasing term life insurance, you are provided with a death benefit if you pass away while the policy is active—however, the amount of the benefits decrease over time. Like level term life insurance, decreasing term life insurance also offers a set premium, so you’ll be paying the same amount of money until your policy expires or until you pass away.

Decreasing term life insurance is ideal if you have saved enough money to support your family after you pass away, so you only need the benefit to pay your loan’s balance after you die. This way, you don’t leave any financial burden on your family.

Key Points:

    • Usually lasts for 5 to 30 years.
    • Pays out if you pass away during the term.
    • Best if you only want life insurance to cover a debt.
    • While the payout amount shrinks over time, your premium won’t change.

If you are diagnosed with a severe illness, critical illness cover will pay out a fixed amount. You can take out critical illness cover as part of your life insurance. This way, you can get a payout once, either when you pass away or if you’re diagnosed with a critical illness.

You can also take out critical illness cover as a standalone policy, so you can get payout twice, once if you get critical illness and once when you die.

Key Points:

  • If you are diagnosed with a critical illness, the cover can pay you a monthly or fixed sum.
  • You can choose to add critical illness cover as part of your life insurance or without it.

People believe that in order to qualify for life insurance, they must be in perfect health.

Health issues are taken into account, but they are not always instant disqualifiers. There are also several life insurance plans that exclude you from having to take a medical test or fill out a lengthy health questionnaire. If you have a pre-existing medical condition, you might be concerned about how it may affect your life insurance eligibility.

Top tip: Don’t hesitate to ask questions. We’re here to assist you in your quest for answers and to reassure you that you might have more choices than you realize.

How does my health impact the cost of my life insurance policy?

The amount you pay for your life insurance policy is determined by a number of factors, including your health..

All of these variables can be grouped together under the following main variables:

– How long you want coverage
– How much coverage you need
– Your health and lifestyle
– Your age and gender.

When applying for certain types of life insurance, such as term or whole life insurance, a medical exam and a health questionnaire are normally required. The results, among other things, give life insurance insurers details about your current health status, health history, and health history of your relatives. All of this data is used to determine the likelihood of dying prematurely. As a result, the premiums will be higher if you already have a medical condition prior to applying for your life insurance.

Join the many satisfied customers who’ve got their Life Insurance with Pre-Existing Medical Conditions with the Thaiger

Other Related Products

There are numerous types of life insurance available in the market. Below are several life insurance types we offer.

Group Life Insurance

This is a form of life insurance that protects a whole group of people with a single contract. The policy typically includes the workers or members of the company, and the policy owner is usually an employer or an agency such as the labour union.

Read More

Whole Life Insurance

Whole life insurance is also known as permanent life insurance. It invests the money that the policyholder is currently paying in premiums. This fund serves as a savings account from which the policyholder may withdraw or borrow funds for a variety of reasons.

Read More

Over 50s Life Insurance

If you are over 50 years old, you can take out Over 50s Life Insurance. This type of insurance is specifically designed for those over the age of 50 years old and provide a death benefit for your beneficiaries.

Read More

Critical Illness Insurance

Critical Illness Insurance provides a lump sum cash payout if you are diagnosed with a critical illness.

Read More

Life Insurance Riders

Riders are additional features you can purchase to cover your specific needs. Riders are particularly beneficial for people with pre-existing conditions or critical illness. These riders include:

Long-Term Care Rider

This rider covers assisted living care or nursing home costs.

Living Benefit Rider

With this rider, you and your family can collect a living benefit if you have a qualifying medical condition. If you become unable to work, this rider can be crucial.

Accelerated Death Benefit Rider

This rider allows your beneficiaries to collect your death benefit early should you get diagnosed with a severe illness.

Whole Life Insurance

You and your families are safe for the rest of your lives with whole life insurance. Thanks to a generous maturity bonus and low premiums, Whole Life coverage provides you with complete peace of mind.

Whole life insurance will cover you for the rest of your life as long as you pay your premiums. This policy is also referred to as “guaranteed whole life insurance” because insurers intend to keep rates constant during the policy’s life. The plan’s ongoing payments will be used to compensate your beneficiaries.

Frequently Asked Questions About Life Insurance With Pre-Existing Medical Conditions

A pre-existing condition is a health problem or disease that existed at the time you applied for insurance. Many of the diseases that life insurance companies look for include: Heart disease, asthma, diabetes, depression and other mental health concerns, cancers, autism, epilepsy and obesity.

Life insurance applications usually include health-related questions, and you must typically grant the insurer permission to review any medical records required to verify your answers. As part of the underwriting process, you’ll be asked to get a medical check, and they’ll search for certain signs in your blood work and other tests that show an underlying medical condition.

Depending on the circumstances a pre-existing health condition may result in an early or unexpected death, raising the insurer’s risk. This results in a higher price policy. The insurer can refuse to cover you if the risk is too high.

Diabetes, high blood pressure, high cholesterol, heart disease, obesity, asthma, cancer, and even sleep apnea are examples of pre-existing conditions. Life insurance providers will see you as a higher risk to insure because pre-existing conditions will affect your longevity.

An independent broker is the safest place to purchase life insurance if you have a pre-existing medical condition. An individual life insurance broker hasn’t tied to a single insurance provider thus having connections with many top-rated life insurance firms and be able to offer you several options.

When reviewing an application involving HIV, most insurance companies would require applicants to meet very strict requirements. Some insurers consider HIV to be too great a risk, and will not cover applicants who have the disease. Some insurers will compensate HIV-positive applicants, but only if you incur a surcharge on top of your premium, or if your policy excludes coverage for your health condition. Your HIV declaration to your preferred life insurer is kept private and covered by applicable government legislation.

Yes, indeed. Health insurance providers can’t refuse to cover you or charge you extra under the Affordable Care Act if you have a “pre-existing condition,” which is a health issue you have before the start date of your new health plan. Pre-existing conditions are not required to be covered.

Life insurance companies can view your medical history with your informed consent. If you grant them permission, they will be able to see a lot of information, including medical appointments, the reason for the appointment, the diagnosis, and any prescribed medications

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