How Critical Illness Survivors Can Navigate Insurance Bias And Secure Fair Coverage
Last Update Date: 06-10-2026
Published by Outlook Money
Abhishek Kumar's role: Quoted
Abhishek Kumar explained that insurers use the waiting periods and history-based premiums that IRDAI permits to offset expected claims, and said rejected applicants can escalate to the Insurance Ombudsman and then a consumer court.
More of Abhishek's views on insurance
The article examines why people who have recovered from serious illnesses often face higher premiums, limited cover or rejection when buying health insurance. It looks at how underwriting relies on medical history, what IRDAI rules allow on waiting periods, and how survivors can challenge decisions.
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How Critical Illness Survivors Can Navigate Insurance Bias And Secure Fair Coverage