If your policy has already been issued, that means the risk has already been transferred to the insurer. Hence any change in condition, like diabetes will not affect your claim.

However, it would affect the underwriting decision of the new plan which you plan to opt. If both plans are issued with the... Read More>>

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>>

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>>

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>>

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.

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>>

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.

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>>

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>>

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>>