Will the Health Insurance Claim be rejected due to BP Will the Health Insurance Claim be rejected due to BP

2 years ago

I bought a Health Insurance in name on my mother in July 2020, I told agent that my mother has Blood pressure. When I received policy document I didn't read it properly, this year in April 2021 my mother got sick with COVID, she died in May 2021, I raised intimation in June 2021. But till now I have not submitted documents.
Doctors have wrote in case papers and Death Summary that she was having BP. I fear that if I submit all documents and they saw BP in reports , they will reject my claim . My claim is under 2 lakhs.

Anik

Responded 2 years ago

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A.Hi,
Health insurance plans change depending on the organisation. The claim cannot be denied merely due to medical inadequacies; nevertheless, the policy must be studied carefully. Pre-existing illnesses, such as high blood pressure, are often not covered by insurance providers, thus any medical expenditures incurred as a result will not be reimbursed. This is something you should discuss with your doctor.
Thank you very much.
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Ayantika Mondal @ Prime Legal

Responded 2 years ago

A.Hi,
Different organizations have different health insurance policies. The claim cannot be solely rejected on grounds of medical deficiencies, however, the policy has to be read properly. Most insurance companies do not cover pre-existing diseases such as high blood pressure and so, any medical expenses incurred due to that will not be covered. Consult your doctor regarding this.
Thank you.
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