Health Insurance / Counter Offer / Permanent Exclusion List
Signed up my Mother and Sister for Niva Bupa Reaasure 3.0 Black. Declared illnesses where minor, however during Telecall with Doctor also divulged mother' History of Hepatitis B [contracted and cured 14 years ago] upon enquiry. Was asked to submit USg Abdomen Report, HbvsAg Report and LFT, out of which latter 2 were submitted. Presence of Hepatitis B came negative however AST ALT ratio is slightly high. Niva Bupa mailed counter offer with these permanent exclusions
Other inflammatory liver diseases, Acute delta-(super) infection of hepatitis B carrier, Chronic viral hepatitis B without delta-agent, Chronic viral hepatitis B with delta-agent, Oesophageal varices, Fibrosis and cirrhosis of liver, Acute hepatitis B with delta-agent with hepatic coma, Portal hypertension, Digestive Diseases|Liver|Hepatitis failure, Malignant neoplasm of liver and intrahepatic bile ducts
Any way to bypass this? Do I write an email to them/ how to escalate?