Claim denials
Mis-selling and policy changes without consent
What was promised at the point of sale and what appears in the policy document are not always the same. Cover gets reduced at renewal, riders disappear, refund terms turn out different from what was said on the call.
General insurance (policy renewal)
Add-On Rider Silently Downgraded at Renewal Without Policyholder Consent
An insurance agent discovered that add-on riders for two clients were quietly reduced at renewal, with no prior notice, consent, or communication given to the policyholders or their agent.
Health insurance
Health Insurance Cancellation: 40% Premium Deducted Despite Verbal Promise of Near-Full Refund
A policyholder who cancelled a health insurance policy without making any claims received only about 60% of the premium paid, despite being verbally assured at the time of sale that cancellation would result in an almost full refund.