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Dear client,

A health insurance provider or TPA cannot legally reject your cancer therapy claim solely based on a hospital note of tobacco habit, unless there is clear medical and legal evidence that your claim is outside policy terms or due to misrepresentation.

Key Legal Points
Insurers Must Prove Direct Link: Courts have ruled that insurers cannot deny claims purely because the insured is a tobacco user; they must prove a direct and proximate causal link between the tobacco habit and the il

Dear Client,
In the given scenario, you should immediately lodge an FIR against the insurance agent for criminal breach of trust and cheating under Sections 316 and 318 of the Bharatiya Naya Sanhita(BNS) at the local police station and simultaneously file an online or offline grievance in respect of fraudulent act of agent to the concerned GRO of LICI or its branch office from where the policy was issued and loan application was processed along with a copy of FIR. If the insurance company(LICI

Dear Client,
The terms and conditions of an insurance policy are the most crucial and vital to go through before raising a claim against an insurance policy. Based on the self-declaration of the policy buyer and post-medical tests of the insured, wherever required, the risk and coverage are underwritten, and the Actuaries of the Insurance Company calculate the premium following the guidelines of the regulatory authority IRDAI. most insurance policies specify a claim submission timeframe, usuall

Dear Client,
Your query suffers from a lack of information and transparency to address it suitably. However, be informed that an order of transfer on administrative reason is also considered a prerogative of the management and disobedience of said order makes an employee to face disciplinary action from the management. Instead of compliance of transfer order, you absconded yourself to avoid the transfer which is typically considered unauthorised absence from work and amounts to misconduct and

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 health insurance policy. Based on the self-declaration of the policy buyer and post-medical tests of the insured, wherever required, the risk and coverage are underwritten, and the Actuaries of the Insurance Company calculate the premium following the guidelines of the regulatory authority IRDAI. If the tern of policy states that the cost of cataract surge

Dear Client,

When a vehicle loan borrower passes away , the primary responsibility for repayment falls to their estate. As the surviving spouse and legal heir, you are generally only liable for the loan up to the value of the assets you inherit from your wife, unless you were a co-borrower or guarantor on the loan. The bank may also have the right to repossess the vehicle, as it served as collateral.

The fact that health history wasn't requested or provided during the loan application is typ

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 and post-medical tests of the insured, wherever required, the risk and coverage are underwritten, and the Actuaries of the Insurance Company calculate the premium following the guidelines of the regulatory authority IRDAI. Despite non-disclosure of Pre-Existing disease (PED), some PEDs are covered b

Dear Client,
When an insurance claim is repudiated/rejected by the Insurance company, they inform the insured person of the reason/ground behind the rejection of the claim. Your query lacks that information, and consequently, in the absence of grounds/reasons behind the rejection of an insurance claim, no remedies to your grievance can be suggested as of now. However, be informed that the terms and conditions of an insurance policy are the most crucial and vital to go through before raising a c

Dear Client,
When an insurance claim is repudiated/rejected by the Insurance company, they inform the insured person of the reason/ground behind the rejection of the claim. Your query lacks that information and consequently, in the absence of grounds/reason behind the rejection of an insurance claim, no remedies to your grievance can be suggested as of now. However, be informed that the terms and conditions of an insurance policy are the most crucial and vital to go through before raising a cla

Dear Client,
Digitally impounded RC and/or Driving License is considered deemed suspension of the documents usually done in case of violation of traffic rules and involves potential risk and complexity. In case the Owner or Driver of a vehicle meets with a road accident while driving a vehicle holding a digitally impounded RC and DL, may face penalties, fines, or even imprisonment, depending on the severity of the offence apart from the repudiation of insurance claim by the Insurer. It is not re