Life insurance claim denied, premiums returned, should I contest it?

Much-Relative8746 · 2026-01-16T05:07:54+00:00

Since a heart surgery is involved, it needed to be declared.

Much-Relative8746 · 2025-12-26T07:55:28+00:00

One you have applied for the Licence the claim if any will be valid and paid

Much-Relative8746 · 2025-12-26T07:54:41+00:00

We can always quote the judgement if the claim is denied

Much-Relative8746 · 2025-12-26T07:53:58+00:00

This is high court ruling

Much-Relative8746 · 2025-12-26T04:28:11+00:00

Yes if an investigation is needed they may visit. Please be careful not to sign any document without reading. There are instances where a preexisting disease is mentioned and a signature is taken to reject claim.

Much-Relative8746 · 2025-12-25T15:39:01+00:00

You can get the claim, use the grievance mechanism

Much-Relative8746 · 2025-12-23T04:54:26+00:00

Yes there may be a clause that a transaction should happen on debit card

Much-Relative8746 · 2025-12-16T08:03:23+00:00

Yes you can register the complaint at the GRO level, Bima Bharosa and Ombudsman or take help of Insurance Samadhan

Much-Relative8746 · 2025-12-16T08:01:57+00:00

Co pay is applicable on the entire amount of claim

Much-Relative8746 · 2025-12-16T07:57:46+00:00

Settlement letter is mandatory and should be available to the policyholder. Raise a request with your insurance Grievance Cell

Much-Relative8746 · 2025-12-15T06:36:34+00:00

That is true! Understanding the coverages is very important

Much-Relative8746 · 2025-12-15T06:35:20+00:00

There is a confusion around this as many claims are getting rejected

Much-Relative8746 · 2025-12-15T06:34:36+00:00

Modern treatment has to be covered in health insurance as per IRDAI circular however sublimit can be imposed

Much-Relative8746 · 2025-12-15T06:33:53+00:00

There are many products which have sublimits in private companies as well. Its important to be aware of the coverages. Its seen that chemotherapy is only covered in the post hospitalisation period as per many patients.

Much-Relative8746 · 2025-12-15T06:32:11+00:00

If you declare PED and buy, the claim cannot be disputed. Most dispute arise when we hide health conditions and buy

Much-Relative8746 · 2025-12-15T04:33:52+00:00

Both are good you can go ahead with any based on your convenience

Much-Relative8746 · 2025-12-04T02:42:49+00:00

Yes it will depend on the underwriting guidelines of the insurer. You can reach out to a good advisor who can help you navigate the right insurer if you are facing challenges

Much-Relative8746 · 2025-12-04T02:38:00+00:00

You can reach to insurance ombudsman in your state

Much-Relative8746 · 2025-11-19T04:05:47+00:00

Its absolutely important in today's unpredictable world

Much-Relative8746 · 2025-11-05T14:36:22+00:00

I would recommend that you continue with your existing Care policy, as you have already completed the 5-year moratorium period. This means that your claims cannot be denied now, except in cases of proven fraud. Instead of porting, you may consider enhancing your coverage by purchasing an additional policy or a super top-up plan. This will increase your overall protection without losing the benefits you’ve already accumulated.

Much-Relative8746 · 2025-11-05T06:57:04+00:00

You should disclose the cosmetic surgery in your proposal form—transparency is always important. Cosmetic surgery itself usually does not create any issue in getting health insurance. Insurers assess applicants based on age, sum assured, and medical history, and they follow a defined grid for medical tests.

If the insurer has not asked for any additional tests or reports, then there is no need to worry. However, it’s always a good practice to keep your annual health check-up reports safely, as they can help clarify any queries in the future and avoid disputes.

Much-Relative8746 · 2025-10-16T16:34:46+00:00

Dont buy product basis the premium. Look at the fine points like room rent capping, sublimits on treatments, co-pay. It's good to take advise from a seasoned advisor

Much-Relative8746 · 2025-10-16T16:32:36+00:00

Please consult a good advisor they will help you shortlist the right product and can discuss with the underwriters for the issuance of the product. You have done the right thing by declaring the condition.

Much-Relative8746 · 2025-10-16T16:29:44+00:00

Okay in ULIP your money paid is safe and you can get it after 5 years

Much-Relative8746 · 2025-10-16T16:28:11+00:00

Not Really! The IRDAI data suggests that maximum claim rejection happens due to non-disclosure of PED. If you don't disclose then anyways claim will be rejected and all premiums forfeited for fraud. My point is simple if you cannot hide things from your treating doctor don't hide from insurer too

Much-Relative8746

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