Cancellation of insurance coverage
2 years ago
I have taken health insurance non stop from year 2015 to 2020 from oriental insurance company Ltd and in 2021 I switched to star health insurance they have cancelled my insurance cover on ground of non disclosure of pre existing disease kindly advise if I took potability to other health insurance in 2022 will be continuity benefeits will break or not breaks and options are available to me,request to provide circular to help me so that my continity benefits are not broken.
Ankur Goel @ Complete Law Shield
Responded 2 years ago
A.which pre existing disease you not declared ?
Star health got previous claims details from Oriental.
Star health got previous claims details from Oriental.
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A.Hi,
The insurer will deny the continuity benefits, if there was a break in the policy. Since, the policy cover was revoked, you cannot claim continuity benefits. You can contest the revocation of policy cover.
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The insurer will deny the continuity benefits, if there was a break in the policy. Since, the policy cover was revoked, you cannot claim continuity benefits. You can contest the revocation of policy cover.
If you like my answer, please rate me.
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Ayantika Mondal @ Prime Legal
Responded 2 years ago
A.Hi,
As per the IRDA rules, portability may be denied if there is a break in the policy. So, ensure that you port the policy before the existing cover expires. Since, they have cancelled the policy, the continuity benefits are forfeited.
If you like my answer, please rate me.
As per the IRDA rules, portability may be denied if there is a break in the policy. So, ensure that you port the policy before the existing cover expires. Since, they have cancelled the policy, the continuity benefits are forfeited.
If you like my answer, please rate me.
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Sidhaarth
Responded 2 years ago
A.What is pre existing disease? In case of insurance of another company would break the continuity.
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