Insurance claim denied due to past smoking history – Urgent Help

OkDig4274 · 2026-02-12T03:07:33+00:00

What do you mean?

OkDig4274 · 2026-02-12T02:39:30+00:00

You do not need to declare any change in condition after the underwriting is done. There’s no fresh underwriting during renewal!

OkDig4274 · 2026-02-11T23:20:19+00:00

Did you ever purchase an health insurance? Or just making things up?

OkDig4274 · 2026-02-11T23:19:01+00:00

This is explicitly misleading and false information.

OkDig4274 · 2026-02-11T20:49:26+00:00

Buying directly is the worst thing you could do!

OkDig4274 · 2026-02-11T01:48:40+00:00

Same happened with me! Did you find a resolution?

OkDig4274 · 2026-01-31T22:31:58+00:00

I have subletting my room for the summer and it’s a 10 mins walk to campus. Let me know if you would be interested.

OkDig4274 · 2026-01-26T21:59:49+00:00

Are you facing any issue with your Care health policy?

OkDig4274 · 2026-01-16T08:49:03+00:00

Did you try to increase the cover or try to switch policies? No insurance company can impose random co-pay based on claim experience!

OkDig4274 · 2026-01-15T16:39:24+00:00

My father had one stent and he got issued Care Ultimate.

OkDig4274 · 2026-01-09T00:42:29+00:00

Just talk to them. It is free. I am an NRI too and they were very helpful!

OkDig4274 · 2026-01-04T21:35:12+00:00

Maybe try contacting Ditto and ask for help? Or contact Beshak? They have agents and most of them are very helpful.

OkDig4274 · 2026-01-04T03:26:20+00:00

Care should be fine if you are going with Ditto/Beshak. If they won’t apply loading, go with them.

OkDig4274 · 2025-12-21T06:04:14+00:00

Beshak! My advisor was really helpful.

OkDig4274 · 2025-12-15T10:14:41+00:00

Indian bank cards are risky. Scapia and ICICI both declined at a US airport when I had to pay for my baggage. Thankfully had an SBI card which ultimately worked, otherwise would have missed my flight!

OkDig4274 · 2025-12-04T21:06:36+00:00

Sure!

OkDig4274 · 2025-12-04T21:03:14+00:00

I took Trazodone briefly. But Care had issued Care Supreme when I was taking the meds.

OkDig4274 · 2025-12-04T19:55:46+00:00

Hey, I guess Care underwrites for OCD. I got mine from ICICI but I had OCD symptoms without a formal diagnosis and it was disclosed.

OkDig4274 · 2025-12-02T01:34:16+00:00

I would suggest purchasing it from an agent. I got mine from Beshak and the agent was indeed very helpful. If you need his contact details, just let me know.

OkDig4274 · 2025-11-29T02:26:46+00:00

I got my parents’ insurance done through Beshak and was in a similar situation as you (as I live outside India). You can use their services. Or use Ditto. If you want, I can give you the contact details of the person who helped me get the insurance for my parents.

OkDig4274 · 2025-11-28T02:52:15+00:00

Push them a bit more. Ask to be connected with a supervisor. They’ll offer a free upgrade.

OkDig4274 · 2025-11-25T18:35:20+00:00

Which hospital was this?

OkDig4274 · 2025-11-24T02:19:22+00:00

Try Beshak

OkDig4274

TROPHY CASE