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stanley (Freedom)     27 July 2022

Health insurance

I had removed a health insurance policy in Oct 2019 .In March 2022 I was admitted for acute kidney failure .Now I filed a claim for the same with the insurer and the same is being denied stating that I had hyper tension before the policy I have taken .can some body help me out in this matter how to get my claim .should I approach the consumer vourt or the district courts for this 



Learning

 1 Replies

Mahi Manchanda   28 July 2022

Hi,

Insurers can decline claims and even cancel the policy, in case they find important facts being hidden or misrepresented at the time of buying the policy.

Following are the procedure by which the policyholder may seek resolution

  1. Approach IRDA, an Insurance Regulatory and Development Authority
  2. An Approach to Insurance Ombudsmen under Rule 12 of Redress of Public Grievances 1998
  3. Approach to Alternative Dispute Resolution (ADR), under any specific policy
  4. An Approach to Consumer forum or court of law.

I hope this helps,

Have a nice day!


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