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Permanent Exclusion specific to policy holder?

Hi all…

I recently applied for a family floater from Apollo Munich. In the questionnaire, I mentioned that I have allergy, which has once ( 8 years back ) led to mild asthma. Then they asked me to fill up a \’respiratory disease questionnaire\’, on which all my answers were of the type \”no, never had to do that, etc.\”- basically, I think no one who ever fills that form can have responses milder than mine.

They then came back to me telling me I will need to accept a \’permanent exclusion\’ to asthma. I tried to push back, asked for the rationale, offered to undergo tests etc. but to no avail. The local sales guy at the firm was also very surprised at this, and called it \’stupid\’, but said he was helpless.

Is there anything I can do about this? Is it possible to fight the decision? or is this pretty much final?

I feel really stupid mentioning that asthma in the form: don\’t even know for absolutely sure if I have it… I mean, 8 years back, one minor occurence… would probably not have been relevant in the future any way…

 

 

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