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Health Insurance email & phone number

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19 May, 2022 by  Karan

Hi,


This question is for Mr. Shailesh Kumar from Insurance Samadhan.


I have purchased a policy for my father and made my sister proposer since she pays the premium & needs tax benefit. The email id & phone number linked mentioned in this policy is mine and not of my sister since I live with my father and take care of him as my sister is married. I took this policy before my sister's marriage. In this policy the postal address is ours.


Questions:-


1) If I purchase a new policy for my self using same email and phone number, will it create any problem as on same number and email there will be 2 policies - in one proposer is my sister and in one proposer is me. Can insurance company say how same phone and email is linked to two policies with different proposers and reject claim.


2) if my sister purchases a policy for herself and her husband from same company and uses different email address and phone then will be there any problem as now under her name she will be proposer in two policies one for her family and other for our father and both policies will have different phone number, email address. Also my sister will put postal address of in laws in her policy so both the policies wil have different postal address. So can this lead to claim rejection?



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19 May, 2022
CEO, Insurance Samadhan

Dear Karan

Thanks for your question addressed to me . Pl read my comments

1. A child does not have insurable interest on parent . Hence your sister can not be proposer on insurance of your father . Pl recheck your policy document .

2. Insurance company is concerned about material facts which may affect occurence of insured event like health , habits etc . Insurer is not concerned about mobile number , postal address , email . Thrse facts are irrelevant and multiple insurances can be bought from same email .

3. Insurance company also checks the moral hazards like sum assured on one life and financial capacity to pay premium each year . Your sister has insurable interest only on spouse and children .

She can propose insurance on them provided she has self insurance.


Hope this clarifies.


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19 May, 2022
Karan
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20 May, 2022
CEO, Insurance Samadhan
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