Beshak.org Insurance 🧐 @BeshakIN
Consult trusted insurance experts backed by cutting-edge research. Zero bias. Zero spam. Zero charges. Too good to be true? Try us 👇🏻 beshak.org Mumbai, India Joined July 2020-
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Hello hello! Need your little help. We are doing an important survey. Can you be a part and fill this out? 👉tally.so/r/3EPLkN 🔺Will take <2 mins 🔺Completely anonymous 🔺Please RT this so it reaches more people Thanks in advance! :) #survey #retirement
Will your insurance ever cover diseases you had before buying the policy?
Are pregnancy-related treatments an inclusion or exclusion to your health insurance?
In what case will your insurance cover cosmetic surgery?
Which exclusion would you prefer to have covered in your health insurance?
How important do you think it is to read through the policy exclusions before signing?
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So they can continue living a good life, forever 💚 And you can continue being the superhero you are 🥰 For more such helpful tips and tricks, keep following @smc_insurance ✨
So on this weekend, take some time out, and sit with your loved ones over a cup of chai. :) And let them, especially your nominee, know everything about the policy you have, its benefits, exclusions, T&Cs, and claim process!
Given the nature of the policy, unfortunately, you wouldn’t be there at the time of claims. 😞 And you definitely don’t want them to struggle during that crucial hour!
What’s more important than family? For most of us, literally nothing! And what’s more important than protecting them with Term Insurance? INFORMING them about it! 👨👩👧 Why? Read on👇 #TipoftheWeek #financetips #terminsurance #financehacks #termplan #claim #family #nominee
Your sibling left the world, leaving you heartbroken, but 9 years later you found something they left behind for you. And now, you have to fight for it. 😓 Well, that’s no movie, but Mr. Sreenivasulu’s story…
His beloved brother left the world, leaving behind a life insurance that Sreenivasulu found about 9 years later. 💔 To claim all that his brother left for him, he filed a claim. Soon after, his bank account was credited - but not with the claim. 🤨
The insurer paid him Rs. 40,401. BUT that was not even close to the full amount - i.e. Rs. 11 lakhs! Assuming it was some glitch, he requested the insurer to pay him the complete claim amount this time.
😐The insurer responded, but yet again, not with the claim… They instead said that due to ‘non-payment of premium’ - the policy had expired! 🤦♀️
But how? When Mr. Sreenivasulu checked, he did find the premium payment certificate in the records! 📃 And having recently discovered the policy, he submitted all necessary documents as he could for the death claim.
Contending that the policy was indeed active at the time of his brother’s death - Mr. Sreenivasulu appealed to the Ombudsman👨⚖️ And here starts the courtroom drama!
In defence, the insurer said - 💰The insured, i.e. Mr. Sreenivasulu’s brother, was irregular in paying the premium. ⚠️Insurer notified him 9 times in 2 years about the policy lapse and overdue premium. And also informed him of what was required to ‘reinstate’ the policy.
👉Reinstating a policy basically means reactivating or reviving a policy after it has lapsed/stopped being active. Besides premium payment, another key requirement can be about getting a medical check-up done.
And if it’s found that you have developed a new medical condition, the insurer may: ✅Charge additional premiums and impose new T&Cs before re-issuing policy ❌Not accept your proposal at all
So in this case, while the insured might have paid the due premium and thought the policy got revived - he might have missed fulfilling the other requirements. 💰Thus, the premium was returned to him via cheque, which he failed to encash.
Now his brother, the nominee (Mr. Sreenivasulu), knew nothing about all of this. 😞 After all these years - when he actually went ahead to file the claim - all he received from the insurer was a premium refund with interest.
So Mr. Sreenivasulu argued that if this was the case, why was the premium paid certificate issued by the insurer? And why did they contradict themselves next by sending lapsation letters, despite premium payment?
The Insurance Ombudsman noted the same discrepancies in insurer's actions. ⚖️Insurer issued premium paid certificate first ⚖️But then they sent lapsation letters despite premium payment ⚖️They also asked to reinstate/revive the policy on dates when the policy was still in…
👨⚖️In light of the above facts - Ombudsman gave its verdict in Mr. Sreenivasulu’s favour! Insurer was ordered to pay him the complete claim + 6.5% + 2% penal interest, deducting the amount already paid.
It’s time for victory! 🎉 It’s also time for 2 important Beshak Takeaways👇
✅Did we say it before to never miss a single premium payment? Yes, we are going to say it again! As irregular premiums can cause myriad complications (as you saw here). And even cancellation of the policy.
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