Corona Kavach claim reupdiation citing onset during the 15 days waiting period
One of my customers has taken a Corona Kavach policy (from Star Health) which was valid from 24/07/2020 to 05/05/2021 for 5 lakhs.
On 09/08/2020, he's got admitted in a hospital at Hyderabad with complaints of SOB, cough, fever, etc. since 4 days. He's first consulted a doctor in his town for cough and fever. The actual Covid-19 positive report is of 10/08/2020.
The company has rejected the hospitalization claim citing that
'It is observed from the consultation report dated 04/08/2020 and investigation report dated 04/08/2020, the onset of the above disease is during the first 15 days from the date of commencement of the policy.'
Can this repudiation be contested? Please advise.