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Is Name really a concern in Health Insurance Policy?

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16 Aug, 2021 by  Jay

This is just a basic question. Recently I took policy, where I have been asked to fill the details of Full Name as per aadhar. Conventionally we use our name as First Name and Surname as Last Name in every form/application we fill. But in my aadhar, it is given my surname followed by my name(which has 2 words). I'm not sure what I have to fill in which fields. I know this is very basic question, but I don't want to take any risk which could happen at the time of Claim? Would it really matters if we give order of our name incorrect?


Suppose my name is SURNAME RAVI SHEKAR as per aadhar


In the application, I have been asked to fill in the order First Name Middle Name Last Name as per the aadhar. Should I give as SURNAME RAVI SHEKAR or SURNAME SHEKAR RAVI? He is called as Ravi primarily, but I given his Ravi as middle name, it doesn't make sense. I'm in total confusion. One more thing, website is not allowing multiple words in fields. Could you please answer my question with the above example? Is it that much important to consider the order?

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16 Aug, 2021
Avinash Sonee

Hi,


AFAIK, it shouldn't be problem at all. I've customer with more name complications like drastic spelling changes (Mundhra vs Mundada), different surnames (eg. Siddula vs Siddulashetty) and spellings in different ID proofs, etc. but I rarely faced an issue. Even if there were any concerns raised during claim, you can always do a self declaration along with supporting ID proofs.


One main cause of spelling is during NEFT processing of claims and refunds for which we submit the corresponding details as mentioned in the bank at the time of claim.


Also, you can still enter either version and then send a mail to the support team to add an alias.


Thank you

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17 Aug, 2021
Jay
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17 Aug, 2021
Jay
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21 Aug, 2021

Dear Jay,


As Mr. Avinash has stated there wont be major concerns in case of claim, one can declare name as per supporting documents.


One may have to file an Affidvait duly notorised for name change in case of major mismatch between the name as per policy document and other id proof. However, it is advisable in your case to get the name corrected in your Aadhaar card to match the name in correct order ie First Name Middle Name Last Name so that you need not face any challenges just in case there is a claim in future.


Hope this addresses your concerns

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