CI policies pay a lump sum on diagnosis — but insurers often dispute on grounds of definition non-fulfilment, survival period, or pre-existing disease linkage.
Critical Illness insurance pays a lump sum when you are diagnosed with a listed condition. However, insurers frequently dispute CI claims arguing the diagnosis does not meet the specific severity definition.
Cancer — histopathology vs policy definition review
Heart attack — ECG, troponin, angiography review
Stroke — MRI/CT vs permanent neurological deficit definition
Kidney failure — dialysis dependency review
CABG and open heart surgery eligibility
Survival period compliance verification
Waiting period and pre-existing disease disputes
Note: Every case is reviewed individually. We identify the specific rejection reason and prepare the strongest possible response on your behalf.
Share your rejection letter for a free initial review.
WhatsApp Us Upload Documents Book ConsultationShare your rejection letter on WhatsApp — expert review within 24 hours.