Insurance: a grave need for stronger protection of policyholder rights

The other day, a claims executive arbitrarily rejected a hospitalization claim for a cardiac ailment. When the claim was reported, the executive had on his own initiative pulled out the past medical records of the patient. In there, he found mention of the patient’s smoking history. So, he quickly put the pieces together and concluded that smoking had caused the cardiac issue. Medical insurance policies exclude ‘treatment for alcoholism, drug, substance abuse or any addictive condition and consequences thereof’.

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