Hi Karthik,

The insurance company is well within its right to refuse the claim if the treatment involved the prior condition or its linked ailments. There is no way out of this.

You could have disclosed the details at the time of policy sign, which you have mentioned was not in your knowledge then or if the medical condition was so old that it didn't affect the present line of treatment,you could have kept the information to yourself while in hospital, however i m not sure how this would have affected the treatment and well-being of your mother.

If you are not satisfied with the conduct of the insurance company other that this claim or you feel that in future also your claims might get rejected, you can port your policy to a new company and make appropriate disclosures this time around. Please note that new Insurer may add loading on the premium or might not offer the policy, Depending upon how serious the existing condition is...this decision is entirely base upon the wisdom of Underwriting team of the insurance companies.

For a detailed Discussion and help regarding your specific policy, you can also choose to seek Free 1-to-1 Consultation on the beshak Platform.

Hope this explanation helps.

Best Wishes

Rana Sahib