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Claim rejected on the basis of non disclosure of pre existing disease.

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12 Aug, 2021 by  Tushar Singhal

I had taken my parents health insurance policy on January 2020.

In Aug 2020 my father had a breathlessness problem. He showed to a doctor wherein he was detected with high BP and some complications in ECG. The doctor advised him Angiography.

After 1 year my father came to Delhi and got his full body check-up done. He got his angiography done wherein he was detected with triple artery blockage for which he needs to do a Bypass surgery.


When my policy was taken in January 2020 and my symptoms were post the policy issue and my BP was detected post my insurance. Can this claim be rejected. I have all the documents supporting my question here.



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1 Answer

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13 Aug, 2021

Hey Tushar,


Basis the information you have provided, and assuming these case facts are correct, claim should be doable. Only thing is the check if there could be any waiting period related impact, which I think should not be there. But still, definitely give waiting period section a look.


Now since this is a claim for a significant medical issue just after policy purchases, insurer would prefer to do a good amount of diligence on the case, so be ready for that.


Anuj Jindal

Co-founder

SureClaim

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