While shopping for health insurance, Ishant, a 35-year-old hypertensive patient, realized that he would need to undergo a medical test. A friend suggested him to conceal his medical history to avoid the hassles of medical tests. Ishant agreed and purchased the policy without disclosing his past medical problems.
A couple of years passed by and Ishant kept paying his premiums diligently, until one day, when he started experiencing chest pain and had to be rushed to the hospital. Everybody thought it was just a case of hyperacidity but few tests later it was confirmed that he had suffered a minor stroke, and had to be hospitalized for a couple of days.
During the course of treatment, Ishant’s anxious wife revealed that he has been a hypertensive patient for some years and had even undergone some treatment in the past. Since the insurance company was already in the loop, they decided to terminate his policy on the basis of falsification of information.
This turned out to be a double blow for Ishant. The premiums he paid were not refunded and he also had to clear the hospitals bills himself. Had he consulted us before buying the policy, we would have ensured that he understood the consequences of providing incorrect information, after all, we strongly believe that honesty is the best policy.
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