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Question regarding health insurance for cancer survivor

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25 Aug, 2021 by  Rajath R

Hi,  I am 21 years old and I was looking for a family health insurance for myself and my parents(father - 52 and mother - 51). My mother had early stage cancer around 6 years ago for which she underwent surgery and chemotherapy. She's completely cured of it now for five years. In 2019 unfortunately she had a mild stroke, from which she has successfully recovered now with no ailments.  Last year I checked a few insurance providers and narrowed down on HDFC Ergo (Appollo Munich back then). They had a provision with which one could get insurance even with the conditions that my mother had. An agent (who was not from my city) got in touch with me and I explained everything to him. He told me it's not a problem and we can still get insurance given we send him all the documents showing my mother's history. He assured us that these will be treated as pre existing conditions and after a waiting period of 3 years we'll be able to claim for every ailments.  A few months ago my mother had a small procedure unrelated to any of the aforementioned issues. We initiated a claim and after a month we got a mail telling us that because we hadn't revealed information about the stroke and the cancer, the policy itself has been cancelled and the claim rejected.  Now coming to my query, is there anything we can do now about this? We were also clearly part of the fault for trusting the agent blindly and making the payment.  Also is there any other insurance provider who can provide someone with a history like my mother health insurance? or should I just steer clear from all of them and just take a policy that covers me and my father?

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Health Insurance
Parents-Health-Insurance
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25 Aug, 2021

Hi Rajath,


The agent fooled you. It is a fair claim rejection.


You should buy a policy for yourself and your father.


Anuj

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Hi Rajath,


As per the medical details shared by you, regretfully - no insurance company will be able to offer health insurance cover for your mother. You can opt for policy for yourself and your father.



Also, there is nothing that you can actually do about the HDFC ergo policy termination and premium forfeiting as at the time of buying the policy proposal form is shared with you, and in the policy also PED conditions are clearly mentioned.



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25 Aug, 2021

Hi Rajath,


Chances are that she will not get health insurance. However, I recommend you to check Star Health Cancer Care Gold plan once. It is a pilot product and specifically meant for stage 1 and stage 2 cancer survivors.


Sorry to know about the trouble that you had to go through at the hands of this unscrupulous agent. Henceforth, never depend on somebody else to fill the proposal form & carefully vet the policy contract when you receive it. Policyholders get 15 day freelook period to cancel the contract if they don't agree with policy terms.


Regards


Asad Akbar



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27 Aug, 2021

Desr Rajath

I agree with all experts .

I only insist that you must report the whole incident to HDFC so that action is taken against agent and thry do not do such fraud woth any othet customer . Their license shpuld be cancelled


If you need hrlp then get in touch with Insurance Samadhan . We can not get you money but ensure thst action is taken against agent.


Shailesh

Insurance Samadhan

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