Hi Mr.Venu Madhav,

It is extremely important that before making the payment for health insurance plans, one must check the proposal form to verify the accuracy of such details. Insurance companies have given away the manual/physical application process & are have gone digital by accepting online proposal forms. In most cases, the insurance agents fill the relevant details on behalf of the proposer and try to enter the values (such as height & weight) to match the acceptable ranges of the insurance companies. This is usually done to avoid premium loadings based on the additional risk associated with factors such as high BMI (Body Mass Index). As a policyholder, you have every right to ask for a soft copy of the proposal form even before making the payment.

In this case, since the policy has already been issued, you can still get in touch with the insurer & share the information related to the discrepancy and get the details updated. It is prudent to get this done at an early stage rather than worrying about future consequences. Since the difference between the actual weight & the declared weight is small, I'm the insurer would not necessarily alter any terms & conditions even after declaring the same now.

Best Wishes,

Satish Kumar H