I understand that on completion of continuous 8 years of renewal of health care insurance, insurers cannot reject an eligible claim. Is this correct?

I took a health policy from Max Bupa in Aug 2016 and continued renewal for 4 years until Aug 2020 post which I ported my policy to another company for a period of 2 years.

Will this be considered as 6 years of continuous renewal of my policy or will porting have an impact on the continuity period?

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?

I have a health insurance policy, running continued from 2012 without any claim up to 2022. In 2021, I ported it to another company. Unfortunately, this year in April my son was diagnosed with Crohn's disease and required repeated hospitalisation. Expenses were taken care of by the insurance company. Now my doubts are: 1. My son is advised to have an injection every 8 weeks continuously for next 2 years. This is expensive and will be done in PICU as a day-care procedure. It might take 10 to 12 hours for the procedure, to be done in PICU (He is 14 years old). How I can get these expenses covered by my insurance. 2. Is there any limit on number of claims, in a year, as I already have many this year? Is there any possibility, that my insurance company might deny the next renewal due to more number of claims?

I was customer of Oriental Bank of Commerce. Being a customer of Oriental Bank of Commerce, Oriental Insurance Company provided Group Health Insurance Policy and inception date was 04-05-2015. My policy with them continued till 03-05-2021 without any break. Because Oriental Bank of Commerce merged with Punjab National Bank, Oriental Insurance Company discontinued that policy from 03-05-2021 onward. Being a customer of Punjab National Bank, I approached them, and they migrated my Group Health Insurance Policy of Oriental Insurance Company to Star Group Health Insurance Policy for customers of Punjab National Bank from 04-05-2021 to 03-05-2022.  As All my policy periods were continued from 04-05-2015 till 03-05-2021 with Oriental Insurance Company, Star Health Insurance given me the benefit of pre-existing disease waiting periods being waived because of continuity (They mentioned it in Policy Document too). They reimbursed my 1st claim of 15 July to 22 July 2021 (Non Empaneled Hospital) and Cashless claim of 16 December to 19/12/2021 but denied reimbursement of 19/12/2021 to 26/12/2021 with the excuse of pre-existing disease even I directly shifted from cashless hospital to non-Empaneled Hospital for same problem because Empaneled hospital having been less facilities.  Here I want to address that I was discharged from Cashless Hospital, on request, to get treated in Higher Hospital and treatment was in continuation of previous cashless hospital to new hospital. So, sir, please guide me accordingly as my correspondence with them is not fruitful.

One of my relatives who had health insurance incurred huge medical expenses year after year, but the insurance company reimbursed whatever coverage was there during the date of admission period. The medical expenses incurred in the following year was denied on the grounds that it could be claimed in the previous year when the patient was admitted, but the insured amount under the policy has exhausted. I seek your as to why it cannot be claimed in the following year as the insurance policy has been renewed. What does the insurance act states.

Hi Sir, My mother's (aged 71), health insurance policy (for last 6 years) has been auto-migrated to a higher premium slab. I requested for a deductible option to reduce the premium. But the insurance company is treating this as a new policy and asked for my mother's health history. Should I share all the details of ailments which occurred within last 2 years or will it be a better option to PORT my mother's policy to another insurance company? Why should the new ailments be covered as this is an ongoing policy?