So there is no proper guidelines for insurance company how far medical history they should take into account in a event if a person forget to mention while taking the policy?

Dear

Insurance contract works on principle of utmost good faith .

So proposer need to declare all medical details. Insurer may ask additional information or send for medical report .

Insurer contracts also work on section 45 of indisputability which means that Insurer can dispute claim in first three years only and after 36 months clai cannot be denied on account of non disclosure.

Hope you are clear now

Shailesh

Insurance Samadhan