Signs your policy was mis-sold
- The agent filled in the proposal form or your health details without asking you. This often leads to a non-disclosure rejection later.
- You were promised “no waiting period” or “everything covered from day one”.
- A fixed-benefit or critical illness plan was sold as hospitalisation cover.
- A top-up or super top-up plan was sold as your main cover.
- The policy was pushed on you with a loan or another product.
- The premium, sum insured or room-rent limit differs from what you were told.
What to do, step by step
- Compare promises with the policy. Read the policy schedule and wording against what you were told.
- Keep your proof. Messages, emails, brochures, call recordings, and the agent’s name and licence details.
- Use the free-look period. For a new policy, you can return it within the free-look period, now 30 days under IRDAI’s 2024 rules, and get a refund minus small deductions.
- Complain in writing. Write to the insurer’s grievance cell with your evidence.
- Escalate. Go to Bima Bharosa, and then the Insurance Ombudsman, which also hears complaints about misrepresented policy terms.
If your proposal form has wrong health details, talk to us before you file a claim. Fixing it after a claim is much harder than before.
How Mediclaimswala helps
We read your policy against what you were promised, tell you plainly what you have, and help you complain with the right evidence.
Last reviewed: . This page is general information based on IRDAI rules as of the date above. It is not legal advice. Policy wordings differ, so we check what applies to your case.