RELIGARE have rejected the proposal of my 14 year old healthy kid on the grounds of the 2-3 years old past medical history of SYNCOPE, although the doctors then had given clean chit after performing ECG, MRI etc.
RELIGARE refused to do a fresh medical examination on him to verify condition of health in case of doubt, stating that state of his current or future health is immaterial.
RELIGARE even refused to arrange for a discussion between me and the underwriter who had rejected his proposal thereby closing all avenues of any discussion. (In all probability, the under-writer has not even understood the old medical reports of my son, sent by me).
Their replies to specific and pointed questions in my emails are vague and round about.
Such a stand by RELIGARE will affect my son’s future since other insurance companies also will tend to go by the precedence of past rejection by RELIGARE and reject his proposals even though he may be enjoying perfect health.
They have only one standard response for everything and they do not answer any specific questions. If this is the state of affairs before policy issual, imagine how they could deal with the insured persons when they put up a claim. You could be up against a wall everytime,
I recommend the readers to be very careful while choosing insurance company for your health insurance and spread such information to your colleagues so that they don’t fall into such a mess with insurance companies like this who do not seem to espouse any value.