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policy porting with PED

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17 May, 2021 by  jitesh soni

I had family floater health insurance from ICICI Lombard since 2008 with 3lac coverage. I have detected hypertension in 2017. I just ported my ICICI lombard policy to HDFC Eargo through policybazar.com. I have also increased my policy base coverage from 3lac to 15 lac. During Porting I already mentioned in proposal from & I also inform policybazar agent that I have hypertension since 2017. I also received call for underwriting from HDFC Eargo and i also mentioned to him regarding my hypertension and medicine which currently I am taking..

But when I received policy, my PED(hypertension) is not mentioned in policy. So I called to HDFC Eargo as well as policy bazar & also send mail to both regarding this issue. They replied that they consider my PED don't worry if any claim in future I can use this mail as referrance.

Is it OK or any thing wrong in it.? Because verbally as well as in mail both Policybzarar and HDFC Eargo said they consider my PED and it covered.

So please advice what should I do?

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18 May, 2021

I think you should not be worried about this point unless the PED is mentioned in the "exclusions" section in the policy document.


If something is not in "exclusions" then by default it in included. Anyways you have email references from the company (which matters) to refer back to in future.


Manish

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18 May, 2021
jitesh soni
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20 May, 2021

It would be better if you get the Insurer to write 'Hypertension as PED' explicitly in your policy copy. The way to do this is by passing an endorsement to your policy. Speak to Policybazaar team and ask them for endorsement. Thanks



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