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POSTED BY ON August 26, 2013 12:43 pm COMMENTS (15)
Hello,
I am a physically handicapped person and I applied a term insurance policy by online from Aviva life insurance on 25th July 2013, for 55 Lakh sum assured (because below 55 lakh there is no medical) around one month is gone, during a month medical sample collected by aviva and a deformity questionnaire form given for filling and submitted the same to aviva.
I am a non-smoker, non-alcoholic and non-tobacco person and same thing i mentioned while filling the proposal form online, finally a mail received with meidcal reports from aviva in which mentioned “extra premium to be paid Rs. 1605” as Urine Cotitine is “Positive” in medical report,
I asked to Aviva that i am non-somoker then how Urine Continine could show as positive and then aviva replied “condition will remain same”
So my query is if i am a non-smoker person then why should i pay more premium to aviva, i request to all please review my case and suggest any good answer so that i can talk to aviva for the same.
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Dear Ramesh, Do it at your own risk, ‘ll be my final call to you. 🙂
thanks
Ashal
Dear Ramesh, do it at your own risk (hiding the fact about AVIVA).
Thanks
Ashal
Hello Ashal,
I am also understand that its my own wish to disclose the fact or not, but my concern is if i do not disclose the aviva fact then, what will happen.
As per my understanding, the policy has not been issued on my name now i am just cancelling the proposal only so there me be no information regarding my policy details
Thanks
Ramesh
Dear Ramesh, you can opt to withdraw from AVIVA but if you apply for new policy, the new insurer ‘ll ask for prem. loading or cover denial & at that time, you w’d have to tell the truth about AVIVA. The new Insurer ‘ll take notice of the same & ‘ll ask for a detailed medical & may invite even higher loading. this is the reason I’m asking you to go for rechecking to ensure that you are indeed having problem.
thanks
Ashal
Hi Ashal, Thanks for great response, while applying with another company definitely i will say truth about AVIVA and i know after saying the truth they may consider for detailed medical test and why they invite for higher loading if i am non-smoker. Suppose medical test shows as a non-smoker then also will they charge higher loading.
Suppose if i do not disclose about AVIVA truth with another company then what will happen, i don’t think there will be issue if i do not disclose the truth.
Thanks
Ramesh
Dear Ramesh, please opt the same lab as of Aviva med report. compare the 2 results. Rest we can only discuss after getting the comparison of 2 reports.
thanks
Ashal
Hello Ashal,
Thanks for your valuable suggestion, i would like to ask one thing why should i get test once again from the same lab or from any other, will it be good if i withdraw for Aviva and apply with another company.
Although, if i go for test i have to pay the for the test charges, why should i spend i can go with another insurance company.
Please suggest your views.
Dear Ramesh, choice rests with you now to go for same or other lab.
thanks
Ashal
Hello Ashal,
I asked many diagnostic lab mentioning the test name of “Urine Cotinine” but all the lab owners are denying for this particular test and some lab owner told me that this type of test is tested only in US not in India so please suggest how deal with it.
Thanks
Ramesh
Same test from two different Diagnostic centers at the same time would make your case strong. This would be better than applying to some other company online. This is my personal opinion.
Dear Ramesh, my personal take, on your own expense, please test Urine Cotinine in the same lab where AVIVA medical was done (during this personal test, please do not disclose about Aviva medical). Compare the 2 results & if any discrepancy is there demand remedical from Aviva.
Thanks
Ashal
Hello Ashal,
Before asking to you already i telephoned to that particular medical center from where Aviva medical was done and after your suggestions now i called there to ask for the Urine Continine test, medical representative was suggested that i should get tested in any other diagnostic center if there i found any discrepancy then i should contact this medical center for again for fresh test.
So should i go with any other diagnostic center or should i contact where aviva medical sample was done.
I would suggest that you keep Aviva case pending and apply for one more online policy and get the medical test done, if there also you get the same result then I guess you don’t have options. If you don’t get revised premium then you can go with that company. It’s very difficult to fight against the test results.
Thanks for your suggestion, i thought the test said “Urine Cotinine” (to identify smoker or non-smoker) i asked to many diagnostic centers they said that this type test they don’t have, so does this test only done by insurance TPA only.
I don’t want to block my money with another insurance company, please suggest any other solution so that i could ask to aviva for withdrawal the case or argue with them.
Although i have conveyed the issue with aviva complaint team also and waiting for response.
I would like to request Mr. Ashal Jauhari or other viewers please suggest some solutions.