Insurance Expert - Answered on Jul 29, 2022
1. Renewal notice does not mention Earned/to-be earned NCB, which other insurers expect to know, they just do not bother about any supporting docs like policy write ups, policy document etc.
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I suggest you speak with your insurer on why only Rs 500,000 was settled against your bills.
Also as a rule, do read all the terms and conditions on your policy document and the claim settlement process followed by your insurer.
This period of 8 years is called Moratorium Period.
Except for proven fraud and permanent exclusions specified in the policy contract, no health insurance claim shall be contestable after the Moratorium Period expires.
The policies, however, would be subject to all policy limits, sublimits, co-payments, and deductibles.
As you have mentioned that you ported the policy after 4 years, it will not be an issue as porting is also considered continuous renewal.