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Health insurance policies can’t be renewed after grace period

India 2020 information Health
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During the policy term, a policyholder has requested to migrate from non-smoker to smoker category. Will the insurer update his policy term and charge an increased premium or cancel his policy?

Will the claim be paid by the insurer in future? —Name withheld on request A life insurance policy cannot be modified mid-term.

If the policyholder became a smoker after the policy was put in place, then there is no provision to migrate the policy from a non-smoker to a smoker.

However, once you have intimated the insurer about the change of status from a non-smoker to a smoker, the insurer is likely to do a verification.

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Rod Stewart Penny Lancaster Helen Skelton Loose Women stars
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