651+ Lawyers are online 
Wrongful Rejection of Life Insurance Claim Under Secure Mind Policy
14-May-2025 (In Insurance Law)
My father passed away in 2021 due to cardiac arrest following COVID-19 infection. He had an ICICI Lombard "Secure Mind" insurance policy linked to his home loan. Despite the death certificate citing cardiac arrest as the cause of death, the insurance company rejected the claim, stating it was due to viral pneumonia and a supposed pre-existing condition—which he never had.
The policy was over 3 years old, and as per Section 45 of the Insurance Act, a claim can only be denied after 3 years in case
hi first need to see the reasons for rejecting the claim and the terms and conditions of the insurance policy and if the company had rejected the claim then you could send them legal notice and file petition in court for damages and compensation
Helpful?
Adv. Baddam Aravind Reddy
Secunderabad | 1000+ Answers
CONTACT NOW
You have strong grounds to challenge the claim rejection, especially since the policy was active for several years and there’s no proof of any actual pre-existing condition. The insurance company’s reasoning appears weak, and we can help you take proper legal action to contest this—either by issuing a legal notice or filing before the consumer commission for wrongful denial and compensation. This type of case falls well within our expertise, and we can guide you through each step to ensure your rights are protected and the claim is pursued effectively.
Helpful?
Adv. Upparapalli Shruthi
Hyderabad | 25+ Answers
CONTACT NOW
Disclaimer: The above query and its response is NOT a legal opinion in any way whatsoever as this is based on the information shared by the person posting the query at lawrato.com and has been responded by one of the Divorce Lawyers at lawrato.com to address the specific facts and details.
Connect with top Insurance lawyers for your specific legal issue
No Comments! Be the first one to comment.
"lawrato.com has handpicked some of the best Legal Experts in the country to help you get practical Legal Advice & help."
