Health Claim Rejected? Fight Non-Disclosure & Pre-existing Illness: Your Guide to Overturning Decisions

• Always demand a written, detailed rejection letter from the insurer, specifying the undisclosed information and supporting medical documents.
• Carefully check your original proposal form; if the illness wasn't diagnosed or treated when you bought the policy, it strengthens your case.
• Prepare a chronological timeline of events (policy start, diagnosis, treatment) and collect essential documents like the proposal form, policy, and test reports.
• Obtain a written clarification from your treating doctor if hospital records hastily label an illness as 'Known Case Of' or misinterpret old data.
• Respond to the insurer with facts and supporting documents; if unresolved, escalate to their Grievance Redressal Officer, then the Insurance Ombudsman.

Why It Matters: Challenge unfair health insurance claim rejections for non-disclosure with facts, documents, and escalation.