back arrow Back

Max Term Policy Rejected

reply Share
02 Aug, 2021 by  Rushabh


My sister just bought a policy of Max from Policybazaar with a cover of INR 1 crore in June of this year. Her age is 35. She had Covid in March'21 which was very mild. We disclosed all details before applying for the policy but still it got rejected. The reason they gave is that she contracted dengue previously which is very surprising because even in Dengue her symptoms were mild. What are the next steps we should take? Should we re-apply for a Max policy again?

like like
Term Life Insurance

2 Answer

02 Aug, 2021
Co-founder, SureClaim

Hi Rushabh,

Normally for such a rejection, insurer will tell a cooling period after which you can apply for policy again.

I would suggest that you post this question to Max and ask what is the time gap required between 2 proposal submissions. Basis that you can take next steps.


like like
icon-comment 1 Comments
icon-reply Reply
02 Aug, 2021
like like
icon-reply Reply
02 Aug, 2021
CEO, Insurance Samadhan

Dear Rishabh

Mostly ,all Insurance companies are reviewing xases with Covid history and trying to reduce their term bucket .

I always believe in power of good agent . I recommend the following :

1. Represent case with clarity that covid was mild and details of medication take. . Same case history for Dengue .

2. Write a note about your sister , her occupation , habits , leave history , habits etc .

3. Apply for 50 lakh and for 20 years once this is accepted then you can seek addnl 50 lakh for longer term .

A good established agent has credibility and able to push such cases through interaction with underwriters .

Best wishes


Insurance Samadhan

like like
icon-comment 0 Comments
icon-reply Reply

Tired of dealing with call centers!

Get a professional advisor for life!


Rs. 1799


Discover the best tips for insurance every week!

Beshak is not regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and does not have any alliance or association with any Insurance business.
© Copyright 2022 Beshak Solutions Pvt. Ltd. All Rights Reserved.

Disclaimer: The content on the website is purely for information purposes for the public at large, and does not constitute personal financial advice for a specific individual reader.
If you are reading this, it means you love reading the fine print. Why not get paid for what you love doing - Join us by writing to now 🙂