Archive · 30 Jul 2025
Health Insurance Claim Denied, Policy Canceled: India's Elderly
A man shared how his parents' health insurance was canceled after a medical emergency, even though they paid premiums and followed all rules.
The insurance company denied the claim and canceled the policy, claiming they didn't fully disclose their health history, though this was not the case.
The family received little to no help from the insurance company or any help from government organizations to resolve the issue, despite delivering the documents.
This situation is part of a larger problem where senior citizens may find themselves without insurance and struggle to have their voices heard.
This has ignited a discussion on the fair treatment of the elderly by insurance companies.
A chartered accountant shared his parents' health insurance claim being denied and policy canceled.
The parents' policy was cancelled retroactively after a claim, despite disclosing medical history and paying premiums.
The insurer cited 'non-disclosure' as the reason for claim rejection and policy cancellation.
The policyholder reported receiving no assistance from the insurance company, the platform, or redressal bodies.
The incident sparked debate about how insurers treat the elderly and the effectiveness of grievance mechanisms.
- Who
- A chartered accountant's parents.
- What
- A health insurance policy was retroactively cancelled, and a claim was denied.
- When
- The policy was cancelled in 2024.
- Where
- India
- Why
- Due to a claim for a medical emergency, and the insurer citing 'non-disclosure'.
Consumer Perspective
Insurance Industry Perspective
Claim Denial
Consumer Perspective
Insurers unfairly deny claims and cancel policies, leaving the elderly vulnerable.
Insurance Industry Perspective
Insurers are protecting themselves from fraudulent claims and ensure fair practices for all policyholders.
Grievance Redressal
Consumer Perspective
Grievance redressal mechanisms are ineffective in protecting policyholders.
Insurance Industry Perspective
These mechanisms are in place to resolve disputes and protect both the insured and the insurer.
- Policy Type
- Health Insurance
- Policyholder Age
- 63+
- Previous Policy
- Public insurer
- New Insurer
- Private company
- Reason for Cancellation
- Non-disclosure
- Location of Policyholder
- Gujarat