Blog Posts
Portability of Health Insurance Policy in India
Your Right to Switch Insurers Without Losing Coverage or Benefits In the world of health insurance, staying loyal to a provider that fails to deliver is no longer your only option. If you’ve faced poor service, unjust claim denials, or
Pre-Existing Disease Exclusion in Health Insurance: What Every Policyholder Must Know
📌 Introduction When it comes to health insurance, one of the most misunderstood aspects is the pre-existing disease (PED) exclusion. Many policyholders are shocked to discover that their claim has been denied due to a condition they had — even
Delhi State Commission: Insurers Cannot Deny Claims for Pre-Existing Conditions Without Prior Medical Tests
Case Title: Surilla Mathur vs M/s Oriental Insurance Co. LtdCase Number: First Appeal 26/2015Forum: Delhi State Consumer Disputes Redressal CommissionCoram: Hon’ble Justice Sangita Dhingra Sehgal (President), Ms. Pinki (Member – Judicial) 📜 Background Surilla Mathur, a senior citizen, purchased an
IRDAI Reduces Moratorium Period to 5 Years: What Policyholders Need to Know
📘 Introduction In a welcome move for insurance consumers, the Insurance Regulatory and Development Authority of India (IRDAI) has reduced the moratorium period in health insurance policies from 8 years to 5 years, effective April 1, 2024. This provision under
Causes and Reasons for Health Insurance Claim Repudiation.
Health insurance repudiation in India refers to the rejection of a claim made by a policyholder by the insurance company. This usually occurs when the insurer believes the claim is not valid under the terms and conditions of the policy.
Why Insurance Claims Get Denied — Even When You’re Right
Insurance is meant to provide a safety net when life takes an unexpected turn—whether through an accident, illness, or damage to your property. However, when it comes time to file a claim, many policyholders find themselves in a frustrating battle
5 Common Tricks Insurers Use to Reject Genuine Claims
When you’ve been paying your premiums for years and suddenly find yourself in need of making an insurance claim, the last thing you expect is a rejection. Unfortunately, this scenario is all too common. Insurance companies often employ various strategies
Understanding the Fine Print: What Your Policy Really Says
Because What You Don’t Know Might Cost You Your Claim Insurance policies are full of complex language, vague terms, and subtle exclusions. For most people, it’s hard to tell what’s covered and what isn’t — until it’s too late. At
Health Insurance Claim Denied? Here’s What You Can Do
Don’t Panic — Take These Smart Steps Before Giving Up Health insurance is supposed to offer peace of mind, especially during a medical emergency. But nothing feels more frustrating than a denied claim when you need that support most. At