When health claims can get rejected


If you have a health insurance policy, you might be aware that it covers certain diseases only after a waiting period of four claim-free years. But do you know that conditions related to genetic disorders are not covered at all? And that claims relating to certain self-inflicted ailments-like cirrhosis of the liver due to excessive intake of alcohol, lung and throat cancer due to tobacco use, and HIV-can also be rejected by the insurance company. All this is explicitly stated in the policy terms and conditions but buyers seldom go through the fine print. Even the agent will not disclose these intricate features of the policy for fear of losing business. “An agent will not usually tell the buyer about all the exclusions in the policy,” says Rahul Aggarwal, chief executive officer of Optima Health Insurance........click for more

 

Source Web Page: The Economic Times


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