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Mr. Ramesh Raheja did not disclose the health insurer that he is suffering from hypertension at the time of buying his policy. After a year, Mr. Raheja was hospitalized for the treatment related to hypertension. The insurer declined the claim on the basis that the policyholder didn’t reveal that he is a hypertension patient.
There are many people who do not reveal their health condition and then land into a problem.
It is always said that you should be always honest to your lawyer and doctor. The same principle applies to your health insurer too. One thing upon which the foundation of the insurance lies is trust. Otherwise, you may have to bear repercussions for the same. Disclosing your personal information correctly is must when buying medical insurance. The health insurance premium and coverage are based upon disclosure of facts like your age, health, lifestyle, and many other factors. The insurer considers each information with respect to any of the previous or current medical condition. This information helps the insurers to reject false claims.
Transparency and disclosing all correct information is very important, else it can make the medical insurance invalid and you will not be able to make claims in the future. Therefore, giving complete information regarding health issues is very important. Rejection of claim can be a massive setback for the policyholder’s family.
Before buying a health insurance policy, make sure to keep the following things in mind:
The foundation of the insurance is based on the rule of trust, so be honest when it comes to buying a health insurance policy. While filing the proposal form, provide accurate answers, especially in the case of pre-existing illness. If you are having a doubt, then ask the insurer or the customer support team for any clarification.
We have been hearing the idiom, ‘Honesty is the best policy’ for ages. It is time that we must apply it when buying medical insurance too. Having a health cover is like a ray of hope for you and your family during financial distress.
If you are looking for the best health insurance plan in India, you can rely on Care Health insurance(formerly known as Religare Health Insurance). Support us to make things easier for us, and we will support you in your tough time.
Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.
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