Health insurance policies can get rejected due to a host of reasons, including age, lifestyle diseases, poor health and so on, but some applications get turned down despite the proposer’s youth and healthy lifestyle. Flummoxed?Take a look at conditions that can lead to denial of health cover.An individual who has donated her kidney is unlikely to be eligible for a health cover. “Such cases, except liver transplants, are treated as an impaired health condition and hence cover cannot be granted,” says Nikhil Apte, Chief Product Officer, Product Factory (health insurance), Royal Sundaram General Insurance. However, approving such applications and computing premiums is at the insurer’s discretion.A health insurance policy covers hospitalisation expenses, including for accidentrelated treatments. Having your own emergency fund to dip into without waiting for approvals from health insurers or third-party administrators is key to ensuring peace of mind.

Source: Economic Times June 04, 2018 00:56 UTC