Can anyone advice me on exclusions to life Insuran.?

Question

6 mnth after my medical policy was approved,I visited a doctor and during that time I told the doctor that I had some symptoms for about 6 months.
Does symptoms requires signing exclusions to insurance policy?
I was not dignosed of any illness prior to the medical insurance policy application.

I had to make some medical claim and the insurance company is refusing to pay up and insisting I sign exclusion to my policy.

Chris C · Accepted Answer

Doesn't matter if it's a health insurance or life insurance or whatever.  This type of thing falls under the same catagory anyway.


IF the symptoms started after the application was approved and inforce, then you will be fine.

If you had the symptoms prior to the application being approved and inforce, it could fall into the pre-existing conditions category whether it was diagnosed or not.

Most insurance applications ask if there are any symptoms, discomfort or ailments that you have not consulted a phyiscian for, or if there are any undiagnosed pains, symptoms or discomforts at the time fo the application.

Evne if the pain was around the same time, you may be asked to prove that it was after the application (without a doctors appointment that's tough to do).  All they can go by is "about 6 months ago" which is a grey area and they can refuse the insurance all together.

Upon the delivery of the policy (when it's approved) the agent should be asking if anything has changed in your health since you applied for the insurance.

anything not disclosed can be considered fraud.

car253 · Answer

You must be talking about health insurance not life insurance.

If you did not know of your condition then it should not be excluded.  But that may be hard to prove.

Can anyone advice me on exclusions to life Insuran.?

2 Answers