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When is a claim rejected?

A claim is rejected if 'non-disclosure' or 'mis-statement' of facts is discovered during an investigation. When a fact that affects the policy issuance decision is not disclosed in the proposal, it is termed as, 'non-disclosure'. Similarly, withholding information or providing incorrect information while answering questions in the proposal form^^ is termed as, 'mis-statement'.

 

For example, when an applicant suffering from kidney failure does not inform the insurer about the same in the proposal form, it is termed as non-disclosure. Similarly, when an applicant overstates his or her income, then it is called a mis-statement.

 

^^Proposal form is the document in which you provide all the relevant details while applying for an insurance policy.