Health insurance claim query
2 years ago
My cousin was taking medication for schizophrenia from 2018 end. She bought health insurance in 2021, but forgot to disclose about schizophrenia while buying health insurance. She had typhoid and has claimed money for typhoid.insurance company came to know about schizophrenia after the claim. Now can her claim for typhoid be rejected due to non disclosure of schizophrenia at the timing of buying insurance. She is ok if money for schizophrenia is deducted from claim amount and get claim amount for typhoid.
Am asking for her as she is on rest
Ayantika Mondal @ Prime Legal
Responded 2 years ago
A.Hi,
This may amount to fraud from your side and will be difficult to get your insurance sanctioned. Since you conceal the fact that you have been taking medication for schizophrenia since before the period of insurance, the company can use it as a defense against your claim.
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This may amount to fraud from your side and will be difficult to get your insurance sanctioned. Since you conceal the fact that you have been taking medication for schizophrenia since before the period of insurance, the company can use it as a defense against your claim.
Please rate my answer
Thank You
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A.Hi,
It would be a problem. If you conceal a piece of information that had to be disclosed for the transaction, that may amount to fraud. You have to contact a lawyer.
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Thank You
It would be a problem. If you conceal a piece of information that had to be disclosed for the transaction, that may amount to fraud. You have to contact a lawyer.
Please rate my answer if helpful
Thank You
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A.Check in the insurance paper terms and conditions whether schizophrenia is in the list of diseases to be disclosed before taking the policy or is it in the list which can cause rejection.
If yes then you cannot do anything about it and if not then you can move the consumer forum to get your claim
If yes then you cannot do anything about it and if not then you can move the consumer forum to get your claim
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