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Rejection of mediclaim by Health insurer on non disclosure of PED


29-Mar-2026 (In Insurance Law)
Whether health insurer can deny the claim for PEAilment after expiry period of 8 yeras?Though PE Ailment is not existing at the time of purchase of Health Policy.
Answers (1)

Answer #1
637 votes
No, the insurer cannot deny the claim. If the ailment did not exist at the time of purchase, it is not a pre-existing disease. Furthermore, under IRDAI guidelines, after 8 continuous years of coverage (the moratorium period), health insurance claims cannot be contested or rejected for non-disclosure, except in cases of proven fraud. You can legally challenge this denial.
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