What should I do ?

[manny345]

I have applied thrice for term insurance one time with ditto , two time with policybazar now all policies are rejected stating my medical history , I had one incident of epilepsy in Jan 2022 and I had done with treatment of it too it's been a year now since last Jan 2024, in April I was told to wait for 6 months again I'm told the same by max life and tata aia
Can't I do something so insurance company will accept my form , actually I know PPL who have stated false information and applied to schemes I was thinking why should I give information if everyone is lieing what's ur opinion guys ?

 

[RitamModak]

It's understandable that you're frustrated with the repeated rejections, but providing false information on an insurance application is never a good idea. It could lead to serious consequences. Instead, focus on these options: wait it out, explore other insurers, or consider critical illness cover. Be patient, be honest, and seek professional advice

 

[manny345]

It's understandable that you're frustrated with the repeated rejections, but providing false information on an insurance application is never a good idea. It could lead to serious consequences. Instead, focus on these options: wait it out, explore other insurers, or consider critical illness cover. Be patient, be honest, and seek professional advice

Thanks but it's frustrating

 

[Akshita.sri]

I have applied thrice for term insurance one time with ditto , two time with policybazar now all policies are rejected stating my medical history , I had one incident of epilepsy in Jan 2022 and I had done with treatment of it too it's been a year now since last Jan 2024, in April I was told to wait for 6 months again I'm told the same by max life and tata aia
Can't I do something so insurance company will accept my form , actually I know PPL who have stated false information and applied to schemes I was thinking why should I give information if everyone is lieing what's ur opinion guys ?

I totally get your frustration! It's tough when you're honest about your medical history and still face rejections, especially when you hear about others getting away with not disclosing things.

But here's the thing—being upfront is crucial, especially with insurance. If you hide medical information and something happens later, the insurance company could deny your claim, leaving your loved ones unprotected. It’s super tempting to think, “Why not bend the truth?” but it can backfire badly.

Instead, you could try speaking with policybazaar's insurance advisor or explore policies that might be more lenient with medical histories. I've heard there are some new terms plans that don't require medical tests. If that doesn't work out.... Sometimes, waiting a bit more and staying transparent could work out in the long run.

Stay strong, and hopefully, you'll find the right coverage soon!

 

[ankursh]

Hey there,
I understand your frustration regarding the repeated rejections of your term insurance applications due to your medical history. It's commendable that you're being honest about your health conditions, even when you see others providing false information. However, it's crucial to stay truthful while applying for insurance, as non-disclosure can lead to claim rejection when your family needs it the most.

In your case, you might consider exploring specialized insurance plans designed for people with specific medical histories. Some insurers offer high-risk coverage options or plans with waiting periods before full coverage. Additionally, getting a detailed medical report from your neurologist confirming your stable health condition could strengthen your application.

Policybazaar is a highly reliable platform to explore policybazaar term insurance options, especially for those with medical histories. Their expert advisors can guide you through policies from multiple insurers, helping you find companies with flexible underwriting policies and offering exclusive discounts. Policybazaar ensures transparency and a smooth digital process, making it easier to compare and choose the right plan.

Stay honest—your peace of mind and your family's security are worth it.

 

[Adhyan Budhia]

I have applied thrice for term insurance one time with ditto , two time with policybazar now all policies are rejected stating my medical history , I had one incident of epilepsy in Jan 2022 and I had done with treatment of it too it's been a year now since last Jan 2024, in April I was told to wait for 6 months again I'm told the same by max life and tata aia
Can't I do something so insurance company will accept my form , actually I know PPL who have stated false information and applied to schemes I was thinking why should I give information if everyone is lieing what's ur opinion guys ?

Don't lie please. If the company comes to know by any means it would lead to policy calculation immediately and the premium you will pay will also not be refunded.

It's better to declare everything before so that there's no reason leading to any unwanted denial of claim.