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Policy Proposal Rejected

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23 Oct, 2021 by  Navneet Singh

Hello,

I am a 29 year old male and looking for a health insurance policy.

I applied for HDFC ergo optima restore policy which was rejected on reasons not provided.

I did mention about my previous medical history and existing one which are as follows:

  1. Hospitalized for a ACL(ligament surgery) in 2017. Gave them the discharge summary
  2. Had a single episode of seizure attack in 2012, been seizure free for 9 years and off medication since Sep'21.
  3. Currently only on medication for Hypothyroidism.

Please advise me how to move forward and is there any way around



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23 Oct, 2021

Dear Navneet


You will not get health insurance due to the previous history of seizure .

Seizure can cause msny other health issues hence insurer are not willing to accept such life .

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26 Oct, 2021

Hello Navneet.


Since you said it was only one single episode of seizure in 2012, you shouldn't face a lot of issues in getting Health Insurance.


Probably HDFC Ergo is not ready to take that risk, but that's not the end of the road.


Go ahead and try other insurance companies. Ensure you provide the diagnosis papers of that time and a clear declaration that you haven't had any episode after that one.


A competent financial advisor can really help in such situations. Check if you can find a financial advisor with good claims track record locally.


In case you want to connect with a financial advisor within the Beshak community you can let us know here:

Beshak Insurance Recommendation Service (Pilot) (typeform.com)


Regards,

Mahavir

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26 Oct, 2021
Navneet Singh
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