Changing medical conditions in old insurance application form

POSTED BY Ashok ON February 14, 2011 8:19 pm COMMENTS (2)


I had taken a ULIP insurance policy about three years back. At that time, in the questionnaire for medical conditions, I had marked “No” for a question, which included “jaundice” also in it.

I realized this when I was filling another term insurance for myself. Now, I want to go back to the private insurance company and change the answer to the question.

What is the right way to go about doing it. Will the company honor my request to change ? Is there a risk to the existing policy ?

Thanks and regards


2 replies on this article “Changing medical conditions in old insurance application form”

  1. Ashok Viswanathan says:

    Thanks for the answer, but I do not think it is not so simple. If I get admitted to a hospital and I fill a form or a doctor’s report of my liver mentions that I did have jaundice antibodies (and the hospital happens to be my last building which I get to see), it messes my records up.

  2. Anand says:

    Was there any hospitalisation? Think of the way your insurance company can find it out or not. If there is no way company can find it, forget it.

    I vaguely recall a rule that after 3 years, insurance company cannot deny the claim giving the reason that incorrect details were given in the application of policy. But I am not sure on this.

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