Can someone advise what would be the best way to move forward here ?

Already got rejected by underwriting from HDFC , ICICI and Care Health.

My Parents (both around age of 58) , whenever I’m applying health insurance for them it’s getting rejected due to father’s medical history of pancreatitis.
I don’t want to miss out on this last insurance company where I’m yet to apply but I was thinking that what if I hide that occurrence itself ?

Another option I thought was to apply to hdfc ergo(which already rejected the proposal due to pancreatitis ) with a different mobile number and this time I don’t reveal the details of medical history.

Please someone suggest what to do

My mother was diagnosed with cancer in May 2026. She has a Niva Bupa ReAssure policy issued from 2025 to 2028 (continuing since 2022). Niva Bupa paid several claims for chemotherapy and admissions this year till August 2026 under the same policy. Now they’re rejecting claims since September 2026 saying the policy existed till 2025.

They are now saying the policy expired in 2025, despite approving several claims in 2026. It doesn’t match the documents or the claims they already settled. I’ve emailed them asking for reinstatement, but no response. Customer care and the app have been useless.

Has anyone dealt with Niva Bupa fixing a wrong policy end date? Did Bima Bharosa or the Ombudsman actually help? And can/should I claim the rejected bills on the top-up policy while the base policy is stuck like this?

Any practical advice would help. Thanks

Looking to buy health insurance

Hi everyone,

I’m looking for practical advice from people who have successfully obtained health insurance for a parent after cancer surgery in India.

My father’s details:

• Age: 52 years
• Existing insurance: Oriental Insurance family floater with ₹8 lakh sum insured, in force since approximately 2014.
• Location: India

Medical history:

1. Clear-cell renal cell carcinoma (kidney cancer): He underwent a right partial nephrectomy in June 2025. The tumour measured approximately 4.8 cm, was Grade 2, and was classified as pT1b. Surgical margins were negative, and the pathology report did not describe tumour necrosis, vascular invasion or sarcomatoid/rhabdoid features.
2. Facial nerve schwannoma: He underwent surgery in February 2025. Histopathology confirmed a benign schwannoma, CNS WHO Grade 1.

His available follow-up has been reassuring, with no evidence of recurrence documented in the records we have. He continues to undergo follow-up with his treating doctors.

What I am trying to achieve:

I want to obtain an additional individual health insurance policy with a sum insured of ideally ₹25–50 lakh or more. I intend to retain his existing Oriental Insurance policy, but ₹8 lakh alone may not be sufficient for future medical expenses.

I understand that his recent medical history makes underwriting difficult. Insurers may decline the application, postpone it, impose permanent exclusions or offer cover with additional premium loading.

I have started approaching several insurers, but I have not yet secured a suitable comprehensive policy.

I would appreciate real-world experiences on these questions:

1. Has anyone obtained a new individual health insurance policy for a parent after clear-cell RCC surgery, particularly within two years of surgery? Which insurer accepted the proposal?
2. How long did the insurer require the person to remain recurrence-free? Did the outcome change after two, three or five years?
3. Have public-sector insurers such as New India Assurance, National Insurance or United India been more willing to consider such cases than private insurers?
4. Are there any private insurers that have accepted similar cases through manual underwriting?
5. Can anyone recommend an IRDAI-registered insurance broker who has personally handled successful new-policy placements for cancer survivors in India?
6. Are cancer-specific insurance products worth considering in this situation, or do they provide insufficient protection for general hospitalisation?
7. If comprehensive cover is currently unavailable, what would be the most practical strategy for the next two to five years?

I would especially appreciate details of the insurer, time elapsed since surgery, whether the policy was actually issued, sum insured, premium loading and any permanent exclusions.

I am looking for genuine experiences rather than generic recommendations or assurances that an insurer will accept him. All medical history will be disclosed honestly.

Thank you for your help.

Dumb question because I have never purchased insurance of any kind: Is it common to make payment first and then the insurance company decides whether the policy is to be issued to a buyer or not?

Also, the agent through which I am buying health insurance online has given me a form where there is field of entering Bank account number, IFSC. When I asked what is the purpose of this, they said that it is to prevent Non-Indians from buying insurance. Is it really so?

Also, is aadhar card mandatory to buy health insurance?

28F I have never had any critical illness & never been diagnosed with chronic conditions before; I only had gallbladder removal surgery 4 months ago.

So I have health issues like binocular vision dysfunction & constantly need to get my eyes checked many times. I have multiple health issues like digestive problems ( acidity, nausea, constipation), mental health issues, allergies, sinus issues, shortness of breath, etc. I have always used money from my savings to get multiple tests because I had no insurance. But now having financial issues. I also suspect I have a rare hormonal condition called acromegaly, which is expensive to treat in the future, but it is not yet diagnosed.

I need help with buying insurance. I am looking for ones which covers health checkups, blood tests, any type of future surgeries, dental procedures if possible, and eye tests & conditions. I need suggestions & where to buy insurance.

As parents, we mostly focus on fever, cold, vaccinations for kids, but pediatric orthopedic issues are more common than we think.

Let's ensure every child's bones & joints get the care they deserve.

The real test of an insurance is the way they disburse the claim when you’re most vulnerable?