[Resolved]  Max Bupa Health Insurance Company Limited — Deactivation of policy in 2nd year

Address:

Bangalore, Karnataka

The Policy details are as follows:

Policy Number: [protected]
Customer ID:[protected]
First PremiumPayment Date ( Date of Cheque Clearance) : 24th Nov 2012
Issue date – 6th Jan 2013

A Quick Background:
The necessary formalities around the Policy in reference was initiated in Novemeber 2012which included a medical test and a payment of INR 26, 098. At the time of the medical test, it was told that the test for the spouse, was not required and hence the sample was not collected the day it was collected for myself. Subsequently, the need for dependent to go through the test was brought up too. Following all this, there was a delay in issuance of the policy which was eventually issued on 6th Jan 2013.

Meanwhile, there was a change in my health status...following minor gastrict symptomps during a normal check up on 4th/5th Jan 2013, I was diagnosed GIST (Gastro IntestinalStromal Tumor) on 5th Jan. Following a scary situation, I was immediately operated upon on the 7th Jan 2013.

Max Bupa Policy wa snot, and have not been so far, used for any claims.

Following the surgery, I have been on a daily dose of Glevec 400 mg and the subsequent CT Scans ( 3 of them) have shown no metabolic activities indicating that the disease is not active and has not recurred.

Post Surgery, we put a claim of very minimal amount, may be just 10K, just to ensure that they acknowledge the disease to which Max Bupa did a doctor investigation, several rounds of discussion happened, they even meet the doctors. however we were never updated with the progress. Post one year, MaxBupa agent followed up on a daily basis to renew the policy that is when we asked them to update the document with the health status. they still insisted to renew the policy, even gave a grace period on 1 month. they did another round of investigation. we finally renewed the policy on last day of grace period. post that Max Bupa turminated the policy stating non-disclosure of information.

reason being " retrosternal pain 7-8 months" as indicated in the first CT report (attached again): I would like to mention again that the 'pain' was more of a 'discomfort' which was so normal that we never felt the need to visit a doctor. Conditions like these are very common and normal. We mentioned about "minor & occasional gastric" symptoms but it was not seen as anything "abnormal" to be mentioned in the form.

this is just the co-incident that we had a medical situation right after the policy is taken. MaxBupa dishonoring this saying "non-disclosure" of information is not acceptable, especially when we are not claiming maxbupa for the surgery...