Prevention is easier than appeal.
Non-disclosure
Incomplete information at the time of proposal.
Lapsed policy
Premiums unpaid beyond the grace period.
Exclusions
The claim falls under an excluded condition or event.
Missing documents or delay
Late intimation or incomplete papers.
Key takeaway. Read the policy document and keep your insurer’s helpline handy.
General information only; not personal advice. Rules and limits change, so verify current details. Last updated October 2026.