Apollo Munich Health Insurance — termination of policy

gurmit305

from New Delhi, Delhi

Address:

Gurgaon, Haryana, 122017

My health insurance policy with Apollo Munich was terminated on grounds of non-disclosure of Arthritis
Policy number: 110103/11121/AA00461302
I talked to the customer care several times and they quote me the progress note from Columbia Asia Hospital dated July 26, 2016 from Dr. Jayant Arora. I read the document several times but could not find arthritis mentioned anywhere.
See attached document

+3 photos

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Apollo Munich Health Insurance customer support has been notified about the posted complaint.

Sep 15, 2018

Updated by gurmit305 “In the case of New India Assurance Co. Ltd. vs Shiv Kumar Rupramka, the State Consumer Dispute Redressal Forum enumerated guidelines which help in determining pre-existing disease:

Malaise of hypertension, diabetes, occasional pain, cold, headache, arthritis and the like in the body are normal wear and tear of modern day life which is full of tension at the place of work, in and out of the house and are controllable on day to day basis by standard medication and cannot be used as concealment of pre-existing disease for repudiation of the insurance claim unless an insured in the near proximity of taking of the policy is hospitalized or operated upon for the treatment of these diseases or any other disease.
If insured had been even otherwise living normal and healthy life and attending to his duties and daily chores like any other person and is not declared as a diseased person as referred above he cannot be held guilty for concealment of any disease.”