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Why was the claim for my wife's pregnancy rejected?

Q: I took a policy this year. My wife got pregnant, but after some time, she had a problem of obstruction in the stomach, which resulted in an expenditure of Rs. 2,50,000. But my mediclaim is for Rs. 50,000 only. The insurance company rejected the claim stating it is related to pregnancy. How can I get a reimbursement from the company?

A:In case you are an individual Mediclaim policy holder, then any claim related to pregnancy will not be covered. In case your employer has given you a cover under group mediclaim policy, then perhaps they may have taken a maternity benefit cover after paying extra premium. For this you need to check with your employer. In the event that you had a maternity cover, then you should ask the insurance company for clarifications regarding the repudiation of the claim, else the claim will stand rejected.


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