Reasons of Health Insurance Rejection by New Insurer Health insurance companies reject your policy port application for various reasons. This includes factors like giving wrong information in claim history, which we are going to explain in detail.
Porting health insurance has become very easy these days. If you want, you can port your health insurance policy every year, but there are some reasons why the insurance company may refuse to port your policy.
Risk of chronic diseases
Every port is taken by the insurance company as a new policy. If you already have a serious illness, then the health insurance company may refuse to port your policy.
Claim history
If your health is poor and you have taken claims many times in the last few years, then your proposal to port your policy may be rejected by the health insurance company.
Give false information
People with health insurance feel that they do not need to update their medical history over time. It is completely wrong to think so. You should give the medical history information to the company year after year. Otherwise, many diseases may come to the fore in the medical check-up during the porting of the policy, due to which the health insurance company may reject your application.
Gaps and Lapses
Many times people delay the renewal etc. of the policy due to carelessness. Due to this, there is a gap in their policy and sometimes there is a lapse due to which the company may reject your port application.
More coverage and age
If you ask for more coverage during the policy port , then the company considers that you are at a higher health risk than before and therefore the company may refuse to accept your policy port application.
At the same time, age is also a big factor in policy port. If your age is more than 70 then the insurance company can reject your policy port application on this basis.
