Can A Health Insurance Company Exclude Child From Policy On Account Of PED. | Vkeel - Free Legal Advice

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Sonipat

Star Health has rejected to include my Child in Policy on account of Pre-Existing Disease. Can the company debarre a minor from giving health insurance just because he has any Pre Exiting Disease? The company should have excluded PED part from the policy and cover the child for the rest of the disease. Further, the company did this exclusion because of the mistake of the Broker who didn't disclose the PED declared by me while filling the proposal form. The whole repercussion is now borne by the Consumer that is me and my Family. Any way out (other than Ombudsman) wherein I could file a case against Broker as well as Star Health to allow my child in the policy.

Expert's Answers(3)

Advocate Ankur Goel
Bangalore, Karnataka

7 Client Ratings

Need to study the details. Mostly you will get compensation.

July 3, 2021
Advocate Kishan Dutt Kalaskar
Bengaluru, Karnataka

184 Client Ratings

Dear Sir, It depends upon company policy you can go to consumer forum. Please give me rank after viewing my details. Please call me for further assistance.

June 28, 2021
Advocate Anik
Bengaluru, Karnataka

65 Client Ratings

hello, First check the terms of the policy regarding PED , as different companies have different terms and conditions regarding the same. Also you could complaint against the broker for misrepresentation and not disclosing the information of your child's PED to the insurance company. It was your brokers duty to disclose all the necessary information at the time of getting the insurance policy. Thanks.

June 28, 2021