In October, Moneycontrol carried a story on how HDFC ERGO General Insurance Company rejected a personal accident insurance claims. The policyholder had died riding a bike a year ago and his family members had made a claim. Why did HDFC ERGO rejected a claim? Because the rider, who was the policyholder, drove a bike of 346cc. His insurance policy had a condition that it would not pay the claim if the rider was found riding a bike with more than 150 cc engine. Though the company later paid the claim, the whole process wasn’t easy for the family.
This isn’t an isolated case as Moneycontrol found out. We went through some insurance policy brochures and found some bizarre reasons why your insurance company can reject your claim. Here are some of those.
