u/NefariousnessIll8298

Applied for health insurance with HDFC ERGO. Declared all PED honestly.

They rejected my application citing Gilbert syndrome and posterior pharyngeal wall congestion.

I’m confused because these aren’t really serious diseases, more like mild conditions.

They suggested I apply for Arogya Sanjeevani (₹5L cover), but I was aiming for a regular comprehensive plan.

Has anyone faced something similar? What are my options now - try other insurers or just go with Arogya Sanjeevani?

Applied for health insurance with HDFC ERGO. Declared all PED honestly.

They rejected my application citing Gilbert syndrome and posterior pharyngeal wall congestion.

I’m confused because these aren’t really serious diseases, more like mild conditions.

They suggested I apply for Arogya Sanjeevani (₹5L cover), but I was aiming for a regular comprehensive plan.

Has anyone faced something similar? What are my options now - try other insurers or just go with Arogya Sanjeevani?

Applied for health insurance with HDFC ERGO. Declared all PED honestly.

They rejected my application citing Gilbert syndrome and posterior pharyngeal wall congestion.

I’m confused because these aren’t really serious diseases, more like mild conditions.

They suggested I apply for Arogya Sanjeevani (₹5L cover), but I was aiming for a regular comprehensive plan.

Has anyone faced something similar? What are my options now - try other insurers or just go with Arogya Sanjeevani?

Hi,

My complaint with the Insurance Ombudsman shows “Award/Recommendation – In process,” but I never had any hearing or received notice for one.

Is it normal for cases to move to the final stage without a hearing?

Thanks.

Edit: I have shared the screenshot in comments