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UMy Uncle Passed away due to sudden cardiac arrest and he had a Home Loan running.
He had an Insurance against that Home Loan and after submitting the Claim documents we were told that the Claim has been repudiated due to non disclosure of his past medical history.
He went through Mouth Cancer surgery in 2021 and took the Loan through a Balance Transfer from another bank in 2022. While availing the Loan there was no way he could’ve hide his medical history from the insurance agents as there were visible physical changes and we are confident he made all the disclosures.
The Insurance company also didn’t do a Medical CheckUp while issuing the Insurance.
We believe that the agent in order for the policy to be approved, Might have hidden my Uncle’s medical history.
What are the options we have to resolve this claim and settle this dispute and get the money from the Insurance company?
My Aunt is a Housewife and both their children are minors. They do not have any means to pay this home loan apart from the insurance.
