Insurance through Home Loan
Hope you have a home loan, try applying for a home loan and you should get life insurance or at least till your loan is not closed.
Add yourself as co-pay, if your father, mother or wife or son or daughter is working. At least add yourself as co-pay and later try getting a insurance.
Star Cardiac Care Insurance Policy, this is a health insurance, atleast your health expenses are not affected.
Search for other heart and diabetes related health insurance and apply for them. so atleast you are not burdened with health expenses.
Open a Jan Dhan savings account, govt offers free insurance.
1 lakh Amount is less but something better than nothing.
Bank account life insurance
Try opening bank accounts, and get life insurance from few bank accounts. You should get these without any problems.
Get a job, get a life insurance.
Hope you are employed, pay extra premium and go for higher cover. However, you might have to undergo medical test as well through the employer.
Try for term insurance plans.
If nothing works, speak to the insurance company, tell the insurance company about your life expectancy with proper medical proofs and negotiate for a lower cover.
Like apply for insurance cover from 3-4 companies for smaller amounts.
If your condition is not severe, and you have all the possibilities of a normal life span you should get a life insurance.
Apply for a credit card. Get a life insurance.
Some credit cards also offer insurance for their customers along with the credit card by charging premium.
Critical Illness Cover
Declare pre-existing disease and you will get the policy. You will get a lump sum amount if any complications like death or hospitalization due to some other condition not caused by your heart and diabetes.
Try SINGLE PREMIUM LIC GROUP INSURANCE Group
And see if you can apply for a non employer-employee homegeneous group, but you will have to include few other people as well.
Groups meaning– for this purpose – can be employer-employee groups or non employer-employee groups as defined by IRDA’s group insurance guidelines. (Examples are holders of the same credit card, savings bank account holders of a bank or members of the same social or cultural association and so on.)
Again see if you can put yourself in a group. For different type of groups, see the website.
These are just some of the options, think hard you might find a way.
Be honest, don’t lie to insurance companies.