Term insurance application getting Declined due to CKD
I applied for Max life term insurance recently with all details about pre-existing disease. It got declined quoting Surgery, whereas there was no surgery done ever.
I applied for HDFC life insurance after max policy rejection and it has been declined as well considering my PED.
I got diagnosed with IgaN (CKD) in 2017 post viral fever episode when doctor noticed protein content in urine. Although there has not been any issue with Renal functions.
I have shared all the reports, recent test reports with HDFC life insurance along with doctor's certificate which states that Renal functions are normal and there is no protein leak incidents.
I am kind of disappointed with rejections of policies. It's seems unreasonable and somewhere I feel disclosing everything would have caused it.
Max life did medical tests and all reports were fine and had no reasons to reject policy. I don't know if I should apply to next insurer or just stay put.