Term insurance wrong details captured in medical questionnaire
Term insurance wrong details captured in medical questionnaire
I purchased a term insurance policy in July 2018. I did not go into the details then as i had already disclosed all the true details in good faith to the insurance exec and the doctor. When i went thr
2 years ago
A. Hi,
You have to bring this to their attention. It is difficult to claim the insurance in case of any such errors and the company will try its level best not to approve the claim. Please contact them and for legal advice, please contact a lawyer.
Please rate my answer
Thank You
Can change in renewal premium for health insurance be challenged?
Our Health insurance renewal premium has been hiked by almost 3-fold. Only reason being given as age slab change from 60 to 61. can we anyway challenge this? The insurer is claiming they has regulator
2 years ago
A. IRDAI does allow some room to the insurer to change the premium for health insurance following some guidelines issued by the IRDAI. You ask your insurer that under which rule they have changed it and once you have the rule then we can evaluate whether to challenge it in the court or not.
Health insurance claim query
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
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.
Please rate my answer
Thank You
Ayantika Mondal @ Prime Legal
LIC DEATH CLAIM IN SUICIDE
On July 10th my mother committed suicide in her mother's home while she was alone at home by using kerosine oil and lighter. She was suffering from mental illness where she used to hear people talk ab
2 years ago
A. First by law you can not demand any compensation. And any benefit. Because your mother to be suicide. Either any policy holder can not sucide if the policy holder takes the sucide. His legal heirs can not challenge any benefit which give by lic and post office.
You should be contact to the office. And after takes staps.
Accident death naturally death. Any suddenly ill.
Some death are decried in the policy. Then the policy holder heirs takes benefit.
If any help my answer you. You thik that ...ReadMore
Pardeep Kumar Dhiman Dhiman
Non Payment of full amount on maturity by Kotak life insurance as per bond terms
Dear Sir/Madam, I am not satisfied with the response from Kotak life insurance on maturity benefits as they have not paid as per bond paper terms and conditions. As per ter
2 years ago
A. Dear Sir,
Such instances are more in Private Sector Banks. Better you approach ombudsman of insurance and if not resolved in your favour then approach consumer forum if not resolved then finally you may approach High Court.
PLEASE GIVE ME RATING AS RANK 5
Medical claim got Repudiation for Crosspathy, what to do?
As per policy, crosspathy is not payable .Hence the claim is being denied under clause no 3.25 of the policy. MEDICAL PRACTITIONER is a person who holds a valid registration from the Medical Council
2 years ago
A. Hi,
If the policy was repudiated for crosspathy, then you will have to approach the consumer forum, and present your case that the repudiation was not valid as the clause of crosspathy was not violated by you. Please consult with an advocate personally, he will advise you further.
If you like my answer, please rate me.
Ayantika Mondal @ Prime Legal
Health insurance rejected by saying reason of non disclosure, what legal action can be taken?
Dear sir, my brother got covid-19 on 16-05-2021 and got hospitalised on 20-05-2021. I applied for the cashless treatment and it got rejected by saying the non disclosure of pre existing disease .we to
2 years ago
A. hi,
If you move to a consumer court there are very less chances to win, as it was your insurance agent fault to not mention the earlier disease at the time of taking the policy and insurance. It would be suggested to file a complaint against the agent for such irresponsible act.
Thanks
Ayantika Mondal @ Prime Legal
How to take action against fraud insurance policy sold to me?
sir , I have been duped by fraud callers and sold policy of PNB metlife amounting to Rs. 1,50,000 each. I was being sold the policy on the pretext of loan and I didn't even checked the authenticity of
2 years ago
A. Hi,
If you are unhappy with your insurance company then you can approach the Grievance Redressal Officer of its branch or any other office that you deal with. The insurance company should resolve your complaint within a reasonable time. In case if it is not resolved within 15 days or if you are unhappy with their resolution you can approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDAI.
If you find my answer helpful then kindly rate me.
Medical Insurance claim has been rejected. What can do legally?
My medical insurence claim has been rejected by HDFC ERGO because I hospitalized during the previous where my Sum insured balance got exhausted. My 17 days hospitalization covered 7 before previous t
2 years ago
A. Hi,
As per your narration, the private corporation might have overlooked the billing history which is clearly a fault on their behalf. You may write a complaint addressed to the MD and the manager of your respective bank. Further, you can also file complaint before the consumer forum.
If you find my answer helpful then kindly rate me.
Ayantika Mondal @ Prime Legal
How to claim the insurance amount when the wrong nominee name is given
My wife delivered a baby boy and after 7 days she was expired . She was working in software firm where the employees had a term insurance benefit from company. She didn't changed the nominees post mar
2 years ago
A. Nominee sirf property ya money ka care taker hota hai. Uska malik nhi hota hai. Usko property ya dhan ko use karne ka bhi adhikar nhi hota hai.
Aap or aap ka beta aap ki wife dawara chodi gai dhan rashi ke absolute sawami hai. Isliye aap dhan rashi ko recover karne ke liye civil court me case file kar sakte hai. Jisme aap ko kamyabi milegi.
Pardeep Kumar Dhiman Dhiman
