Central Govt Pensioner

Dear Client,
It is important to disclose all your medical conditions and disorders while availing a health insurance policy. The terms and conditions of an insurance policy are vital to raise a claim under the policy. Further, non-disclosure of a pre-existing disease (PED) may be the reason to repudiate your claim as the same might not be covered under the policy. So, in this situation, you can file a consumer complaint under Section 35 of the Consumer Protection Act before the District Consumer Forum and seek the repudiated amount of the claim. If required, you can consult an advocate for advice and assistance in the matter.
Hope it helps.
Thank you.

Dear Client,
The terms and conditions of an insurance policy are the most crucial and vital to go through before raising a claim against the policy. Based on the self-declaration of the policy buyer, the risk and coverage are underwritten and the premium is calculated by the underwriter of the Insurance Company following the guidelines of the regulatory authority IRDAI. Despite non-disclosure of Pre-Existing diseases (PED), some PEDs are covered by continuous renewal of the policy for two or four years from the date of inception of the policy. If any claim is raised before it comes under the coverage on continuous renewal of the policy for prescribed periods, the insurer repudiated the claim of the insured on the grounds of non-disclosure of PED while buying a health insurance policy. In the given situation, when internal grievance redressal mechanism of the Insurer repudiated your claim, you may take a chance by filing a complaint before the Dist. Consumer Forum claiming the repudiated amount of claim admissible under the policy and if the Consumer Forum finds merit in your claim, the Court may pass an order in your favour. Reach out to an Advocate for guidance and steps.