Some months ago, a middle-aged gentleman was recommended cataract surgery. He applied for a cashless claim to his health insurer. The family floater health insurance had been running for five years with no claims. The insurer when assessing the claim found, from the doctor’s notes, that the patient had been suffering from sleep apnea over the past seven years and this fact had not been declared when the insurance was first bought five years ago. They rejected the claim and cancelled the entire family’s insurance on grounds of medical non-disclosure.
