Taking insurance without medical test can be risky

To avoid a claim rejection for chronic diseases, ensure proper medical records

If you undergo a procedure or surgery for a chronic ailment within a few months of taking a health insurance policy, there are chances that the insurer would reject your claim. Such rejections are more common in policies where the insured doesn’t need to undergo medical tests when buying the policy. As it takes time for a chronic disease to become severe, most insurers view such cases with suspicion.

Six weeks after taking health insurance, 64-year-old Gopalkrishna Misra got an angioplasty done, after a doctor discovered a blockage in his heart. He took the policy meant for senior citizens that didn’t