Why Insurance policy is declined by Insurance companies?

Health Insurance Company decline Health Insurance to people having from certain ailments/ illness / disease. Given below are list of illness / disease where Health Insurance is normally declined by Health Insurance company. Some of the rejectedInsurance companies have now launched specific plan wherein they cover people suffering from some of these illness with waiting period of 4 years and by charging extra premium.

We strongly recommend to have Health Insurance independent from Company provided coverage. We recommend individual floating Health Insurance coverage rather than Group Insurance Coverage which can be carried life long. Recent amendment will make it mandatory for Insurance  Company to offer lifelong coverage. Please check if your present health insurance company provides lifelong coverage and there are no sub-limits in claim. You can also considering increasing your current Health Insurance coverage by taking Super Top Up Plan.

  • Diabetes Mellitus
  • Any malignant disease (Caner, leukemia, sarcoma etc.)
  • Heart Attack
  • CABG (Coronary Artery Bypass)
  • Angioplasty (with or without stenting)
  • Members with implanted pace maker
  • Pregnant female life from the second trimester up to 1 month of child birth. They may be covered in their first trimester and post one month delivery, with necessary documentation

The above list is not exhaustive.

In case you need assitance in getting health insurance or lodging of claim or any enquiry, please feel free to call or mail. You may visit our eMediclaim website to download claim form of all TPA.

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