My father was refused his medical claim by the New India Assurance Company on the pretext of the use of alcohol.
His case was that of a gastric ulcer, which the company cleverly attributed to the intake of alcohol citing the discharge card statement which mentioned that the patient had consumed alcohol (limited to 2 pegs) on a daily basis.
The discharge card clearly stated the consumption of alcohol in the patient’s history column but not as a cause or a probable cause. However the insurance company strictly pointed out that patients with a history of alcohol consumption are known to suffer from ulcers and hence the denial of the claim.
Does this mean to say that all men who consume alcohol on a limited basis within the confines of their home will be refused any medical claim if their ailment can be remotely connected to alcohol?
This claim was held not valid 7 years ago.
Can I get NIAC to recheck the claim and if not can I prevent it from affecting any future claims, now that he has totally given up alcohol.
