Can insurance companies deny renewal with the same company?
03 Feb, 2023
by Ashish Budhiraja
Suppose I have a super top up, now I contracted a disease like Cancer. I got admitted and used significant chunk of the sum insured. Now, all treatments were done and for the time being I am considered out of the Cancer risk. Would I be able to renew with the same insurance company ? With a "fair" premium increase? Or can they deny the case completely?
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Post
Risk or no risk, your claim cannot be turned down once you have bought a plan regardless of whether it is Cancer or any other imaginary critical ailment.
All risks ought to be covered by the insurer once those ailments occur post-purchasing the plan.
So breathe easy & enjoy.