The most common reason by a wide margin is non-disclosure — a health condition, habit or existing policy not declared at proposal stage. Others include claiming during a waiting period, a condition falling under a stated exclusion, or a lapsed policy. Full disclosure at purchase is the single best protection against rejection.
Information on this website is educational and advisory in nature. Insurance products, benefits, exclusions, waiting periods and claim outcomes are subject to the terms and conditions of the respective insurer's policy document and applicable IRDAI regulations. Please read the policy wording carefully before concluding a sale.
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