Regarding Health Insurance Moratorium Period & Portability
Hi Team, I purchased my 1st policy in 2013 worth 5 lakh and after continous 5 Years renewal I ported my policy to different insurance company. During porting I increased my sum insured to 10 lakhs. My question is that:-
1)I have paid contnious premiums for 9 years whixh includes 5 years with previous insured and 4 years with the new insurer after porting, so does mortarium period is applicable for 5 lakh sum insured of my ported policy as well? In short is moratorium applicable to ported policies also?
2) Also, after moratorium period is over, can health claim still be rejected on non disclosure of pre existing disease.
. 3) Also in claim form, is it compulsory to put details about other health insurane policy? What if I dont disclose about my other health insurance policy information?