I was holding a Apollo Munich Easy Health Family Floater policy since last four years. This year I decided to migrate it to Optima Restore Family Floater. After getting the policy, I thought to get propsal form to check, because all the details were being fetched from first proposal form of 2008. When I checked, I found few mistakes due to ignorance at that time. I wrote a letter to them describing all the details and medical conditions –
1) Liver disorder – Had jaundice in 1997, Fully recovered – Yes
2) Eye disorder – Wear glasses since 1985, Fully recovered – No
3) Nervous system disorder – Was under medication between 1989-1990, Fully recovered – Yes
I received an acknowledgement of that letter via e-mail. After one month, when I checked with them, they replied – With reference to the case no. XXX,XXX , our team concern has reviewed the medical documents and allow the policy to continue .
Well and good, but my question is what proof do I have that I made a declaration? What if they say that I had not made this declaration earlier. Do I need to demand anything from them or should I wait for next renewal to see the changes in proposal form. Or should I just believe in Apollo Munich that they won’t come down to this cheapness of lying?