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Jayanta Bandyopadhyay   01 November 2021

Mediclaim insurance and death

Insurance policy is April to March. Death on 1 August. Can insurance premium be for full year or proportionate. Please guide sos basis


 6 Replies

Rama chary Rachakonda (Secunderabad/Telangana state Highcourt practice watsapp no.9989324294 )     01 November 2021

premium full for whole year in advance


G.L.N. Prasad (Retired employee.)     02 November 2021

You might have paid in advance and seek the laid down norm and clarification from the insurance company.

P. Venu (Advocate)     02 November 2021

You have not posted the complete facts.

Dr J C Vashista (Advocate)     03 November 2021

Just a "Time Pass" question paper.

Jayanta Bandyopadhyay   03 November 2021

This is employer sponsored mediclaim policy ..for April to March. Without prior intimation, straightaway annual premium is deducted from Oct salary. When I had already notified death of mother due to covid on 1 August. HR dept tells nothing doing. No refund. Please guide whether proportionate refund for Aug to March , unexpired period is allowed by IRDAI, OMBUDSMAN




G.L.N. Prasad (Retired employee.)     03 November 2021

First, let your employer make a representation for a refund from such a company.  Depending on the reply, you can proceed further through IRDAI online grievance or Ombudsman or District forum, or all the forums.

Immediately file an online grievance in the portal in to IRDAI.  If HR has stated in writing, escalate it to higher authority and request for sending such representation to the insurance company officially.  

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