{"id":3224,"date":"2023-08-21T16:47:22","date_gmt":"2023-08-21T11:17:22","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=3224"},"modified":"2024-02-26T11:19:07","modified_gmt":"2024-02-26T05:49:07","slug":"beware-of-insurance-mis-selling-safeguard-your-money-and-future-part-3","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/beware-of-insurance-mis-selling-safeguard-your-money-and-future-part-3\/","title":{"rendered":"Beware of Insurance Mis-selling: Safeguard Your Money and Future: Part 3"},"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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/beware-of-insurance-mis-selling-safeguard-your-money-and-future-part-3\/#Non_disclosures_which_result_in_claim_rejections\" >Non disclosures which result in claim rejections<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/beware-of-insurance-mis-selling-safeguard-your-money-and-future-part-3\/#What_if_You_Were_Mis-sold\" >What if You Were Mis-sold<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/beware-of-insurance-mis-selling-safeguard-your-money-and-future-part-3\/#Bottom_Line\" >Bottom Line\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Non_disclosures_which_result_in_claim_rejections\"><\/span><span style=\"font-weight: 400;\">Non disclosures which result in claim rejections<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Welcome back to the insurance mis-selling series that we started a week ago. We at Insurance Samadhan constantly speak about insurance-related problems that people deal with. We feel it is our responsibility to educate our readers so that they stay away from mis happenings because we keep getting over 500 calls per day where aggrieved customers share their stories.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The insurance industry is on the rise and it is obvious that people involved in the industry will try to sell more and more, which will surely lead to aggressive selling. In turn, many cases of insurance mis-selling will be reported. So that is why we have started this series, so the damage is minimal because we aim to make you aware of all the things that can happen.<\/span><\/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><span style=\"font-weight: 400;\">Insurance is a subject matter of solicitation and it is the duty of intermediaries to share all facts about terms and conditions of Insurance Policy , be it life , health or general insurance. It is the responsibility of intermediaries to educate customers on true disclosures so that all promises are fulfilled. Role of intermediary is very important and good agents survive when they do ethical selling. All responsible advisors not only share all facts but also assist customers when the insured event happens and customers need hand holding.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Given below are some general scenarios which should be known to customers in terms of claims settlement:<\/span><\/p>\n<p><b>Claim in life insurance<\/b><span style=\"font-weight: 400;\">: As per section 45 of Insurance Act, all insurance companies are supposed to investigate all claims which happen within 36 months of policy commencement. They investigate if a claim has come due to non disclosures and onus to prove it on the nominee. Such claims are called early claims and claims are denied on non disclosures of material facts listed below:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Health\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Habits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Previous policies\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Occupation\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Age\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Hence, all policyholders should read Policy documents during freelook and share their disagreement with Insurance Company.<\/span><\/p>\n<p><b>Claim in life Insurance<\/b><span style=\"font-weight: 400;\">: Nomination, it is important to nominate a blood relative and mention the word \u201cBeneficiary Nominee\u201d for undisputed claim settlement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These scenarios happen quite frequently with many customers. Although, with a little awareness as a buyer, you can prevent these situations.\u00a0<\/span><\/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><b>Claim in Health Insurance<\/b><span style=\"font-weight: 400;\">: Like Life Insurance, claims in Health Insurance are denied or short settled due to misinterpretations of Policy documents. Most customers do not read the terms, exclusions and blame when they face a problem. Hence it is the duty of intermediaries to educate customers on Health Insurance. Given below are few reasons due to which claim is rejected:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non disclosure of pre existing diseases\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Treatment in non standard hospitals\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Treatment not as per terms and conditions\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Treatment no required\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No following standard procedures\u00a0<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"What_if_You_Were_Mis-sold\"><\/span><span style=\"font-weight: 400;\">What if You Were Mis-sold<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There are high chances that you will end up buying an insurance policy you did not want. In that case, every insurance company gives a 15-30 day free-look period, where you can cancel your policy. It is only for the purpose in case you buy the wrong policy or are having second thoughts. There is no denying that the insurance companies have done a great job by adding this feature.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, if you pass that time and still feel like you were mis-sold, you can always contact Insurance Samadhan. We will be happy to assist you as we have a team of experts who will help you in getting your hard-earned money back.\u00a0<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-3218\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/Beware-of-Insurance-Mis-selling-Safeguard-Your-Money-and-Future-larger-1.png\" alt=\"Mis-selling tactics\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/Beware-of-Insurance-Mis-selling-Safeguard-Your-Money-and-Future-larger-1.png 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/Beware-of-Insurance-Mis-selling-Safeguard-Your-Money-and-Future-larger-1-300x169.png 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/Beware-of-Insurance-Mis-selling-Safeguard-Your-Money-and-Future-larger-1-1024x576.png 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/Beware-of-Insurance-Mis-selling-Safeguard-Your-Money-and-Future-larger-1-150x84.png 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/Beware-of-Insurance-Mis-selling-Safeguard-Your-Money-and-Future-larger-1-768x432.png 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/Beware-of-Insurance-Mis-selling-Safeguard-Your-Money-and-Future-larger-1-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bottom_Line\"><\/span><span style=\"font-weight: 400;\">Bottom Line\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Remember, you have the right to say &#8220;no&#8221; if an insurance policy doesn&#8217;t feel right. Being informed and cautious can protect your money. If you ever feel you were misled, our experts are here to assist you. Your financial well-being is our priority.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We will come up with another major situation of insurance mis-selling next week. Till then, stay vigilant, stay safe!<\/span><\/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\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/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\/beware-of-insurance-mis-selling-safeguard-your-money-and-future-part-3\/\"\n  },\n  \"headline\": \"Beware of Insurance Mis-selling: Safeguard Your Money and Future - Part 3\",\n  \"description\": \"Learn how non-disclosures affect insurance claims in our series. Protect your financial well-being. If mis-sold, use the free-look period and contact us for assistance.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2023\/08\/Beware-of-Insurance-Mis-selling-Safeguard-Your-Money-and-Future-larger-1.png?resize=1024%2C576&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Insurance Samadhan\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2023-08-21\",\n  \"dateModified\": \"2023-08-21\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Non disclosures which result in claim rejections Welcome back to the insurance mis-selling series that we started a week ago. We at Insurance Samadhan constantly speak about insurance-related problems that people deal with. We feel it is our responsibility to&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/beware-of-insurance-mis-selling-safeguard-your-money-and-future-part-3\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":14,"featured_media":3219,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[20,311,2,320],"tags":[],"class_list":["post-3224","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-claim","category-insurance-claim-rejection","category-insurance-misselling","category-mis-selling-tactics"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Protect Your Money from Insurance Mis-selling | Insurance Samadhan<\/title>\n<meta name=\"description\" content=\"Insurance Samadhan: Safeguard finances from insurance mis-selling. 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We at Insurance Samadhan constantly speak about insurance-related problems that people deal with. We feel it is our responsibility to&hellip; Continue Reading &rarr;","amp_enabled":true,"_links":{"self":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/3224","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/comments?post=3224"}],"version-history":[{"count":3,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/3224\/revisions"}],"predecessor-version":[{"id":3227,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/posts\/3224\/revisions\/3227"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media\/3219"}],"wp:attachment":[{"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/media?parent=3224"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/categories?post=3224"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.insurancesamadhan.com\/blog\/wp-json\/wp\/v2\/tags?post=3224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}