Can a health insurer reject a hospitalisation claim by citing a waiting period for an illness that is not covered under the relevant exclusion clause? This is exactly what happened when a policyholder diagnosed with dengue challenged HDFC Ergo General Insurance’s decision to deny his claim. He did not sit quietly and approached the Delhi State Consumer Disputes Redressal Commission, which ruled in his favour.
Keep on reading to learn why this case shows how important it is to review what your insurance policy doesn’t cover and to understand the reasons an insurer relies on while rejecting a claim.
