r/InsuranceTroubleIndia

Situation:
- Term plan for my father (58), issued 30/10/2024. I filled the e-application myself and answered No to every health question.
- He actually had hypertension, asthma (ongoing), fatty liver and a GI illness with 2 hospitalisations, plus smokeless tobacco quit about 12 years ago.
- Someone connected to the insurer advised us not to disclose. It was verbal and nothing is in writing.
- The insurer ran diagnostic tests at their centre and a tele-medical call, and my father gave a video consent.

What I understand so far: Under Section 45 of the Insurance Act, the insurer can challenge the policy only until 30/10/2027. After that it can't be questioned on any ground, as long as premiums are paid on time. Normal exclusions would still apply.

The three options I'm weighing:
1. Discontinue the policy. The cover ends, and a new policy at his age with these conditions would be costly or refused. I'm leaning against this.

2. Come clean. Correct the health details with the insurer in writing, possibly after a lawyer's advice. The risk is premium loading, an exclusion, or in the worst case cancellation.

3. Wait for the 3-year period to end. Keep paying premiums till 30/10/2027. The risk is a claim being investigated before then.

Questions:

1. Which would you pick, and why? Has anyone been through this?
2. Do the insurer's own tests and tele-medical help our case?
3. Can anyone recommend an insurance lawyer, with contact details, who has handleslife insurance repudiation or Section 45 cases and who can give me advice? Nagpur is best, but anywhere in India works, even remote consultations.

I'm not trying to hide anything, just looking for the safest legal way to fix this.

Hi,

Looking to buy either through Ditto or beshak. But really curious to know from people here about the claim help received from Ditto or beshak?

To what extent did they help? - Proposal forms, documentation etc..

Do they really help to escalate and move things faster?

Or do they merely guide to use self care help?

Hi everyone,

I have a health insurance policy with Niva Bupa for my parents:

Father: 60 years

Mother: 56 years

Mother has diabetes, which was declared when I purchased the policy 2 years ago.

Father had hypertension/BP, which was also declared at the time of taking the policy.

I had also taken the applicable rider for chronic/pre-existing diseases.

My policy renewal is next month, and my father has now been diagnosed with diabetes.

I want to be completely transparent and declare his diabetes to the insurance company at renewal. I have a few questions:

1. Since I already have a rider for chronic/pre-existing diseases, if I declare my father's newly diagnosed diabetes at renewal, will diabetes-related treatment/complications be covered from Day 1, or will a fresh waiting period apply?

2. If I declare the diabetes at renewal, can the insurance company increase the premium or impose any additional conditions/loading like 3 years waiting period?

Has anyone experienced a similar situation with Niva Bupa or another insurer? How did the insurer handle a newly diagnosed condition during renewal?

My main intention is to properly disclose everything to the insurer and avoid any issue at the time of a future claim. At the same time, I don't want to unnecessarily lose the benefits/waiting-period credits I've already accumulated.

I also checked porting to another insurer, but the premium for taking a fresh policy is significantly higher.

Would really appreciate any advice or personal experiences, especially from people who have dealt with diabetes being diagnosed during an existing health insurance policy.