I applied for HDFC ERGO Optima Secure Health Insurance and was denied.

[User_7c4e0ed2]

U

User_7c4e0ed2
PARTICIPANT
March 13, 2025 at 2:14 pm

The denial was based on my present diagnosis of OCD that I mentioned so that there wouldn’t be any future claim rejection. OCD is a mental disorder. Is it legal for them to deny providing me insurance?

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[Surbhiguru978]

S

Surbhiguru978
PARTICIPANT
March 13, 2025 at 2:37 pm

Failing to disclose any pre existing illness at the time of purchase of policy and later they found out then they can deny you insurance. But If you had no knowledge of illness at that time later got diagnosed then they can’t reject it.

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[User_7c4e0ed2]

U

User_7c4e0ed2
OP
March 13, 2025 at 3:03 pm

That is exactly why I disclosed that I have OCD. But then they denied my application altogether.

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[Surbhiguru978]

S

Surbhiguru978
PARTICIPANT
March 13, 2025 at 5:12 pm

When did you disclose it?

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[User_7c4e0ed2]

U

User_7c4e0ed2
OP
March 13, 2025 at 5:38 pm

While filling the proposal form itself.

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[Kajalbear311]

K

Kajalbear311
PARTICIPANT
March 13, 2025 at 4:39 pm

Were you getting treatment or medication for this? Didn’t they add any loading charge and accept? And who is your broker?

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[User_7c4e0ed2]

U

User_7c4e0ed2
OP
March 13, 2025 at 5:10 pm

Broker was policy bazar. I’m on minimal medication. They gave me an alternate policy aarogyasanjeevani which is essentially crap.

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[Kajalbear311]

K

Kajalbear311
PARTICIPANT
March 13, 2025 at 5:13 pm

Don’t go with that, also with policybazaar. Book a call with ditto or beshak. At least you will have someone to guide.

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[User_7c4e0ed2]

U

User_7c4e0ed2
OP
March 13, 2025 at 5:55 pm

I already have an insurance with care which I was hoping to port to HDFC. Do you think I should stay with care?

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[Kajalbear311]

K

Kajalbear311
PARTICIPANT
March 13, 2025 at 6:06 pm

I have taken Care health for my parents and have good and bad experiences. I have 50k worth of claim rejected last year, 3L worth of claim approved this year.

Since your HDFC policy is rejected, consult with some other broker and get an idea if you can get a better policy than Care, or at least migrate to other Care plan (choosing the right broker is also important in my opinion).

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