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i am having health policy since last 6 year in 2011. i raised a claim after that company tried to avoid renewal but after intervention of irda i could renew it within grace period again next year company tried to avoid again after intervation of irda the policy was renewed but dating of policy ...
As long as your policy is inforced and there is no claim that happened within the period of grace, there should be no reason of claim admissal. Hence there is no reason for you to worry. Also, you can always change your plan from your present insurer to another under Health Insurance Portability. To... Read More>>
profile of aegon religare, is my insvestment safe. claims are sattled easly?
AEGON Religare Life Insurance Company (ARLI) in India is a joint venture between AEGON (26%), Religare Enterprises Limited (44%) and Bennett, Coleman & Company (30%).Read more details about AEGON Religare Life Insurance Company
For queries or doubts on the claim settlement of AEGON Religare, please... Read More>>
My Health policy application was rejected on the grounds that my ECG shows WPW syndrome. I got new tests at my own cost from 3 reputed diagnostic centres and showed it to 2 senior cardiologist. They said that I had no abnormality. I wrote back to the Insurance co for re-evaluation at my cost at...
You can take it up with the complaints department of the health insurance company and ask them to justify and listen to your concern because they have no right to deny the claim if the same is justifiable.
You can complain to the Insurance Company and then if they do not take it up and justify the... Read More>>
Dear Sir, Greetings!!! I am having two life insurance policies(term insurance) with ICICI PRUDENTIAL(14 lakhs) and IndiaFirst Life Insurance Company(15lakhs). While taking policy with India First Life Insurance Company i have not mentioned the policy details of ICICI PRUDENTIAL. In case...
Yes, if you do not disclose your previous policies, then your claim might not be admitted due to nondisclosure or misrepresentation of material facts. Thus, you need to declare the same to IndiaFirst and then ask them to re-underwrite the risk.
my policy no 00006164 insured from 20.3.13.to 19.3.14 I am a policy holder to the last 12years am I elegible cshaless hospatilsation for varicouse vain operation
It totally depends on the plan and the clause for pre-existing diseases or illness or exclusions under the same. Unless you tell us the name of the company from where you have your insurance policy from and the name of the plan, it would be very difficult for us to be able to provide assistance as... Read More>>
can one take benefits from two mediclaim policies for the same incident ? Suppose , i have 2 nos mediclaim policies for which i regularly paid premium and both for max. 2 lakhs coverage . Now , in some incidents , if total medical expenditure touches approx. 80,000 , can i claim the amount...
How can you claim for the same claim from 2 places? You would have to submit the originals for a claim reimbursement. Hence you can claim for the expenditure made but not an additional amount or twice for the same claim.
I had taken group mediclaim policy from United India Insurance Company (UICC) through The Bank of Rajasthan from 1st April, 2008 to 31st, March 2011(copies enclosed). I have also received payment of my bill of hospitalization for the treatment of Multifocal Motor Neuropath. In the mean time the bank...
You must contact the head office of United India Insurance Company and try and resolve the issue with them. You can complain to the Insurance Company and then if they do not take it up and justify the claim then you can take it up with IRDA. If you are not happy with the service of your insurance... Read More>>
My health insurance is about 18 months old.I had applied for a mediclaim claim of 37000.00 .The treatment was for a problem related to my mouth.My Insurer rejected the claim on fact that I had not informed them that I had an Angioplasty done at the time of buying the policy and I was on...
Dear Vineet,
You can complain to the Insurance Company and then if they do not take it up and justify the claim then you can take it up with IRDA. If you are not happy with the service of your insurance company then the insurance regulator IRDA has a mechanism to share your concerns with them.
Please... Read More>>
Hello. I recently purchased HDFC Life Click2Protect term insurance plan for myself. While filling the application form, I was transparent and honestly disclosed my medical history - about my Kidney Stones and a surgical procedure of circumcision. Will this medical history result into...
It is best told about your pre-existing illness so that if there is a requirement of a claim, the nominee does not have to run from pillar to post trying to get the claim out. Because if while claim settlement, they find out that there has been misrepresentation or non-disclosure of material facts,... Read More>>
I have a Mediclaim policy which covers me for a sum of Rs, 5.00 Lacs from United India Insurance company for last more than 20 years. I was diagnosed of Cancer for which I have undergone complete treatment comprising of Chemotherapy followed by surgery followed by Radiotherapy. The investigations...
Dear Mukesh,
Please understand that Health Insurance Plans do not pay for OPD charges and Investigation or recovery tests and charges. It pays only for hospitalization expenses unless it is specifically mentioned that that particular plan pays for OPD.In you case, it is justified as only 60 days of... Read More>>
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