I am a 35 year old, non smoking male and took an online term plan from Aviva NUP75074650 with a cover of Rs. 55 Lac for which the premium was Rs. 6274/- at the time of proposal/policy payment i have alreday discussed and clarified to their product expert (Tripti Aggarwal) that i am not a smoker, and even i didn’t use anything (Cigarrete/Bidi/Pan Masala/Alcohol) related to smoker category. Occasionally, I just takes simple pan or pan with a very little tobacco in one or two times in a month, not regularly and also i am not habitual about it, she told me this doesn’t matter and if their is anything wrong in your medical report than only your premium will be incresed. After the medical examination even though everything was normal they have asked me to exra premium by more than 50% (Rs.3600/- extra) by saying that your category has been changed to smoker due to consumption of tobacco (pan with tobacco), and the amount will be refunded after the deduction of medical charges in case of cancellation. I requested him to arrange my Cotinine Test for the same, and if i found +ve then after i will be able to do final decision about the policy to continue or not. and i am waiting for their response.
I am not able to decide what to do in this case?.
Any other term policy that you recommend?.