{"id":2288,"date":"2022-10-06T12:52:47","date_gmt":"2022-10-06T07:22:47","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=2288"},"modified":"2022-11-17T09:40:09","modified_gmt":"2022-11-17T04:10:09","slug":"do-you-know-the-three-year-clause-in-life-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/do-you-know-the-three-year-clause-in-life-insurance\/","title":{"rendered":"Do You Know the Three Year Clause in Life Insurance?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/do-you-know-the-three-year-clause-in-life-insurance\/#What_Section_45_of_The_Insurance_Act_Says\" >What Section 45 of The Insurance Act Says?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/do-you-know-the-three-year-clause-in-life-insurance\/#Can_an_Insurer_Repudiate_a_Life_Insurance_Policy_Within_3_years\" >Can an Insurer Repudiate a Life Insurance Policy Within 3 years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/do-you-know-the-three-year-clause-in-life-insurance\/#Impact_of_Section_45\" >Impact of Section 45<\/a><\/li><\/ul><\/nav><\/div>\n<p>Do you know a life insurance company cannot reject your claim for non-disclosure in the proposal form after three years? Yes, you read it right. As per Section 45 of The Insurance Laws (Amendment) Act 2015, no insurance company can reject the claim after three years* of the life insurance policy being in force or three years from the date of policy reinstatement.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-2290 size-full\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Do-You-Know-the-Three-Year-Clause-in-Life-Insurance2.jpg\" alt=\"Do You Know the Three Year Clause in Life Insurance?\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Do-You-Know-the-Three-Year-Clause-in-Life-Insurance2.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Do-You-Know-the-Three-Year-Clause-in-Life-Insurance2-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Do-You-Know-the-Three-Year-Clause-in-Life-Insurance2-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Do-You-Know-the-Three-Year-Clause-in-Life-Insurance2-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Do-You-Know-the-Three-Year-Clause-in-Life-Insurance2-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Do-You-Know-the-Three-Year-Clause-in-Life-Insurance2-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<p>Read the blog to know in detail.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Section_45_of_The_Insurance_Act_Says\"><\/span>What Section 45 of The Insurance Act Says?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Post Section 45 of The Insurance Laws (Amendment) Act 2015, insurance companies cannot question a life insurance policy after three years. The insurer has no right to reject a life insurance claim on the grounds of misrepresentation or suppression of material facts or even if the insured commits suicide after three years. A claim can be refused only if the life insured is involved in criminal activity or commits fraud while submitting claim documents.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_an_Insurer_Repudiate_a_Life_Insurance_Policy_Within_3_years\"><\/span><b>Can an Insurer Repudiate a Life Insurance Policy Within 3 years?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>An insurer can repudiate a life insurance policy within three years on the grounds of misrepresentation or suppression of material facts.<\/p>\n<p>All the premiums collected until the date of the repudiation may be refunded to the life insurance policyholder or can be forfeited if proven that the insurance policy was taken for a fraudulent motive.<\/p>\n<p>However, if the insurance company detects fraud within three years, then the claim can be rejected and the premium will be forfeited.<\/p>\n<p>*Note: Three years shall be calculated from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later.<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Impact_of_Section_45\"><\/span>Impact of Section 45<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Insurance companies have three years to investigate a life insurance policy. Once the period of three years lapses, <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/early-death-claims-under-section-45-of-the-insurance-act\/\">no claim can be rejected<\/a> on the grounds of misrepresentation of facts. This amendment should make insurers more alert and sell policies diligently.<\/p>\n<p>The policyholders must ensure that they have revealed all material facts to the insurance company. They must carefully read all the terms and conditions before signing the proposal form. This will help the policyholders to prevent claim rejection.<\/p>\n<p>If the insurance company rejects your genuine claim within 3 years or even after 3 years, then you can reapply. If you are unable to fight for your genuine claim and need help, then contact Insurance Samadhan.*<\/p>\n<p>Insurance Samadhan has helped resolve 14,500+ complaints of policyholders. These complaints include <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/protect-yourself-from-insurance-mis-selling\/\">insurance mis-selling<\/a>, claim rejection, delay in claim settlement, etc.<\/p>\n<p>Contact us to get samadhan for your insurance issues, we\u2019ll be happy to help you.<\/p>\n<p>*Insurance Samadhan is a private organisation and has no association with IRDA or any Government body.<\/p>\n<hr \/>\n<h4><strong>Click on the below links to read some cases resolved by Insurance Samadhan:<\/strong><\/h4>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/dengue-insurance-coverages-and-exclusions\/\">Dengue Claim Rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/top-5-reasons-for-death-claim-rejection\/\">Death Claim Rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/cashless-claims-in-health-insurance\/\">Cashless claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">9910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/do-you-know-the-three-year-clause-in-life-insurance\/\"\n  },\n  \"headline\": \"Do You Know the Three Year Clause in Life Insurance?\",\n  \"description\": \"No insurance company can reject the claim after 3 years of the life insurance policy being in force or 3 years from the reinstatement date.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/10\/Do-You-Know-the-Three-Year-Clause-in-Life-Insurance2.jpg?resize=768%2C432&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Shailesh Kumar\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2022-10-06\",\n  \"dateModified\": \"2022-10-06\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you know a life insurance company cannot reject your claim for non-disclosure in the proposal form after three years? Yes, you read it right. As per Section 45 of The Insurance Laws (Amendment) Act 2015, no insurance company can&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/do-you-know-the-three-year-clause-in-life-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":2291,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[20],"tags":[41,52,229,230],"class_list":["post-2288","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-claim","tag-life-insurance","tag-life-insurance-claim","tag-section-45","tag-three-year-clause"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do You Know the Three Year Clause in Life Insurance?<\/title>\n<meta name=\"description\" content=\"No 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