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UMy dad is paying for a health insurance since 8 years. He casually applied for it because his bank manager pushed him and unfortunately in the original document, he didn’t disclose his History of Hypertension. He was diagnosed with hypertension earlier, but he was one of those people who doesn’t care about his health and has no idea what’s going on. So, he didn’t take any meds and didn’t apparently disclose it during policy inception. I am sure it didn’t even occur to him when he was filling the form. He’s renewing the insurance since 8 years, and 4 years ago, he was hospitalised for Acute Kidney injury and his claim was accepted. I was not around during that surgery and I have no idea how these processes go. I also didn’t know that he didn’t disclose HTN and I mentioned to the doc that he had HTN since 10+ years. This was written in his case notes which was uploaded to the insurance company. They called me back to reconfirm all the details and I again said the same thing. Looking back it’s pretty stupid of me, but I assumed this whole process will be hassle free since we previously claimed the insurance for the same surgery. Now, our cashless claim has been rejected stating that “previous illness was not disclosed at the time of illness”. He also have 2 surgeries back to back and it’s costing us 3L+. The claim for the first surgery is rejected.
**Does this mean, the claim for next surgery will also be rejected on same grounds? Is our policy void now? Even if we continue renewing the policy, they can reject the claim every single time saying non-disclosure, right? **
We can’t afford the second surgery that’s going to happen in 2-3 weeks, and I have zero idea how to proceed. I really appreciate any guidance in these matters.
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