Health Claim Rejected? Fight Non-Disclosure & Pre-existing Illness: Your Guide to Overturning Decisions
Personal Finance
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News18•05-01-2026, 12:57
Health Claim Rejected? Fight Non-Disclosure & Pre-existing Illness: Your Guide to Overturning Decisions
- •Always demand a written, detailed rejection letter from the insurer, specifying the undisclosed information and supporting medical documents.
- •Carefully check your original proposal form; if the illness wasn't diagnosed or treated when you bought the policy, it strengthens your case.
- •Prepare a chronological timeline of events (policy start, diagnosis, treatment) and collect essential documents like the proposal form, policy, and test reports.
- •Obtain a written clarification from your treating doctor if hospital records hastily label an illness as 'Known Case Of' or misinterpret old data.
- •Respond to the insurer with facts and supporting documents; if unresolved, escalate to their Grievance Redressal Officer, then the Insurance Ombudsman.
Why It Matters: Challenge unfair health insurance claim rejections for non-disclosure with facts, documents, and escalation.
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