If you can kindly tell something on 8-year clause by IRDA. Can the health insurance claim be rejected even after 8 years of paying continuous premium without any claim taken?

Ans: Hi Thangavelu, good to know that your wife is doing better. Coming to your questions, yes you can avail the insurance facilities for the same ailment in future from your existing insurance companies. However, if you purchase a new insurance policy from another company, then whether you get the coverage or not will depend on the ailment and the insurer.

For other ailments, at the time of issuance an insurer analyses the risks, given the ailment of the insured. Accordingly, the insurer takes a decision whether the policy can be issued or not, there are few insurers in the market that will keep the pre-existing diseases excluded or will have a waiting period for it. However, if your ailments have developed after the policy issuance then you can avail insurance facilities for those ailments.

Answering your third question, yes you can prefer ECHS for this specific issues and the remaining expenditure can be claimed from other insurers.

Ans: Hi Satish, health insurance has to be claimed in the year when the medical expenses were incurred. If the base policy coverage for that year's expense is exhausted and there is no top up plan in support to base policy, then the claim settlement will become an issue as the limit is over. It cannot be adjusted in the next year.

Ans: HDFC ERGO Health Insurance is one of the reputable health insurance providers in India, offering a range of policies catering to various needs. However, whether a policy claim will be rejected after 8 years of continuous renewals depends on several factors, including the terms and conditions of the specific policy you've opted for, the nature of the claim, and adherence to policy guidelines.

It's essential to carefully read the policy documents, including the fine print and terms and conditions, to understand the coverage, exclusions, claim process, and renewal provisions. Additionally, maintaining continuous renewal without any breaks is generally advisable to ensure uninterrupted coverage and avail benefits like waiting period waivers and no-claim bonuses.

While insurance companies typically have provisions to minimize claim rejection risks after a certain period of continuous renewals, it's crucial to stay informed about any policy updates, changes, or exclusions that may affect your coverage.

To ensure clarity and peace of mind regarding your health insurance coverage, consider reaching out to HDFC ERGO's customer service or consulting with an insurance advisor for personalized guidance tailored to your specific policy and circumstances.