Choose a policy that needs pre-issuance medical test, say experts

Also avail of annual check-ups; doing so will make claim rejection harder for health insurer

Over a fifth of complaints in consumer courts pertain to the insurance sector. Consumer Affairs Secretary Rohit Kumar Singh told the media recently that he had flagged some issues to the Insurance Regulatory and Development Authority of India (Irdai) and insurers. Until the regulator acts, however, it is up to customers to safeguard themselves.

Ambiguity in insurance contracts

An insurance policy is a legal contract. It may contain jargon that a lay person may not understand.

“In the case of health insurance, for instance, a layperson may find it difficult to understand what falls under the definition of consumables and