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?

Health Insurance

1 Answer

Post

03 Feb, 2023

Pankaj Singh Yadav

4.7

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.

1 Comments

03 Feb, 2023

Ashish Budhiraja

Thanks for the response, the reason I mentioned Cancer is because there are high chances of it appearing again in a few years. Basically, I am worried that in such cases in case there is a huge claim and company feels that a new ones is right around the corner. They can just deny renewing the policy.

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