health insurance claim repudiation
Health insurance renewed from 2015 continuously. No claim lodged in the last 6-7 years, 1st claim lodged now. Insurer rejects citing pre existing disease clause misrepresentation. Actually in 2012 the patient had gone for a check up at the hospital for the current ailment. Is the insurer justified in rejecting the claim? Can I invoke sec.45 of the insurance act?