Non-disclosure of important medical information may cause the Insurer to deny the claim. This can range from an inadvertent omission that was important to deliberate lapses to reduce your premium.
Filing A Fraudulent Claim
The insurer will thoroughly investigate your claim. If they find that it was fudged, not only will they reject it but will also blacklist you. This means that other insurers may also reject your application for health insurance.
Unavailability Of Medical Documents
Insurance companies will process the claims mostly based on the documents provided, although they may also opt to have independent tests done by their appointed physician to look into the diagnosis of the critical illness. If the person insured fails to provide these documents, his claim will be denied.