Hello Ravi

1) Your friend must inform the insurer about this missed information.

2) The insurer may cancel or update the policy depending on the age and health condition declared.

Hey Ravi,

Kidney stone is a simple ailment, it won't lead to policy cancellation.

Please ask your friend to write to insurance company and declare the medical condition. Insurer may ask certain proofs like consultation paper, diagnostic reports etc, just help insurer with those details.

Make sure that by the end of this process, your friend receives something called as 'Endorsement'. This endorsement is the proof that insurance company has incorporated the disclosure in the policy. Without Endorsement, your friend runs the risk of claim rejection at later date. An excuse that he sent the email or he called and inform the call center will not really help, he really needs to get the Endorsement certificate from insurer.

Hope it helps.

Anuj Jindal

Co-founder

SureClaim

Hello Ravi,

I'll try and answer your question, as to how will the insurer find out.

If at any point in the future, your friend suffers from kidney stone again, the doctor will mention in his papers that there is a history of kidney stone for the patient since (insert year or no of years).

Now when your friend tries to claim for the kidney stone treatment, the insurer will find out about the history through the consultation papers. The claim therefore will be rejected, and there is a chance, and the insurer has the right as well, that the policy would be cancelled because of non disclosure of material fact.

Also, apart from specific kidney stone treatment, if in the future your friend would have to undergo some kind of major operation/treatment, there is a good chance that the treating doctor would mention all historical ailments of the patient in the consulting papers which will include kidney stone history. Although the treatment/operation at that point may not be connected in anyway to kidney stone, the claim could still be rejected because it was not declared.

So, as the other answers to your question also mention, since your friend has realised the omission, it is better to inform the insurer.

Hope this helps:)

Cheers.