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A lady took out an overseas travel insurance policy from Bajaj Allianz General Insurance before travelling to USA. While in USA she was admitted to a hospital where it was found out that she had UTI and sepsis. After discharge from hospital, she filed a claim and it was rejected. From hereon the fight for insurance claim started in 2009.
Terming the repudiation of an insurance claim for medical treatment as untenable, the national consumer disputes redressal commission (NCDRC) directed Bajaj Allianz General Insurance Co Ltd to pay US$20,000 along with an interest of 9%pa (per annum) as expenses for treatment overseas. While the insurer had rejected the claim, citing failure to disclose pre-existing medical conditions, the policyholder pointed out that she was never asked to fill out any proposal form and thus did not have an opportunity to reveal her pre-existing medical conditions.