Insurance policies depend on your circumstances. The premium you have to pay for a life insurance policy depends on age, total coverage (sum assured), medical history, gender, lifestyle, job, or add-ons ( extra fracture cover, critical illness cover, global treatment etc.)
What can happen after submitting an application to an already selected insurer?
the insurer may accept the application on standard terms
if you have had health problems in the past, the insurance company may exclude any existing ailments or diseases, or
may increase the premium by accepting the current medical history, or
by keeping the monthly premium specified in the application, reduce the sum insured.
If you are waiting for a diagnosis, tests, or operations, the insurer may postpone launching the policy until complete information or the final effect of planned treatments is received.
in exceptional situations, where the insurer does not take the risk of activating the policy, the application may be rejected
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