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Shaoli Lala   02 May 2022

Denied insurance claim

Can presence of co-morbities be a deterrent against COVID-19 death insurance claim ? 


 2 Replies

Advocate Y.K. Mehrotra (Advocate)     03 May 2022

Hello sir

Having perused enough insurance policies I can assure you this question entirely depends on the contents of what bonds have you signed. 

Even if I try at this stage it will be a mere speculation and that may not be accurate.

Vrinda   03 May 2022

Hello ma'am,

Covid-specific insurance claims are being rejected on grounds of pre-existing comorbidities, which indicate the presence of one or more additional illnesses along with Covid-19.

While Comorbidities are covered under Corona Rakshak policy, insurers are rejecting many such claims. So, in a situation where a patient needs or needed hospitalisation due to comorbidities that have been worsened or triggered by Covid-19, insurers are likely to reject the claim.

Insurers are denying such claims on the ground that patients have not been impacted directly by Covid-19. 

Insurance Regulatory and Development Authority has also listed some steps that will help policyholders file complaints with the insurance body. You can file a complaint in the following ways - 

1) They can make use of the Integrated Grievance Management System (IGMS) — IRDAI Portal at https://igms.irda.gov.in for registering the complaints themselves and to monitor the status of the complaints. 

2) They can send the complaint through email to complaints@irdai.gov.in. 

3) They can call toll-free numbers: 155255 or 1800 4254 732.

Hope this helped to solve your query!


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