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6.                                     The diseases which are common malaise of the modern life and are controllable on day to day basis and need only medication and neither hospitalization nor operation are not such diseases which should be disclosed in the proposal form for insurance claim as the consumer attends to normal and daily chores like any other healthy person nor such diseases fall within the nomenclature of pre-existing disease. We have come across cases where the claims of the consumers were denied for not having disclosed the minor physical problem being faced for 20 long years without affecting normal day to day life without even undergoing any operation or hospitalization.

16.                                 It is common knowledge that half of the population suffers from these maladies. Other half does not have a perfect health to the mathematical precision. Had it been so lacs of people wont be thronging to the Yoga Camps or such like congregations for being taught about healthful hints.

17.                                 It is in the interest of these companies not to repudiate the claims on flimsy grounds particularly invoking exclusion clauses or concealment of such diseases as in that case they would be left with no business. They wont be left with any customer who shall be eligible to obtain these policies as every one of them if subjected to a medical examination would be found having one problem or the other. Let these Insurance Companies make a medical tests a condition precedent for issuing mediclaim policy and not rely upon the information provided by the consumer and see how many customers they get.

Out of 10, nine would be suffering from such maladies.

18.                                 Non-disclosure of a factum of having been hospitalized or operated upon for the treatment or cure of a specific disease in the near proximity say six months or a year prior to taking the policy may be used for repudiating the claim for the reason of non-disclosure of pre-existing disease as in that event, element of malafide of the insured cannot be ruled out.

19.                                 It is astonishing that in most of the cases the panel doctors of the Insurance Companies pick up a stray reference in the discharge summary of the insured giving the past history and use it as a guise to repudiate the rightful claim of the insured. For instance, if patient or his relative, at the time of admission, gave the history that he or she was having diabetes or hypertension or occasional pain in the chest for the past few years, these companies use it as non-disclosure of pre-existing disease and also invoke exclusion clause inspite of the fact that the insured has been otherwise leading a normal healthy life and attending to his duties, daily chores and had never been hospitalized or operated upon for the said problem or malady.

(viii)          Day to day history or history of several years of some or the other physical problem one may face occasionally without having landed for hospitalization or operation for the disease cannot be used for repudiating the claim. For instance an insured had suffered from a particular disease for which he was hospitalised or operated upon 5, 10 to 20 years ago and since then had been living healthy and normal life cannot be accused of concealment of pre-existing disease while taking mediclaim policy as after being cured of the disease, he does not suffer from any disease much less the pre-existing disease.