Hi, all nice members here, i would like to seek your advices on my uncle insurance case.

My uncle bought a health insurance on past 10 years ago, and now he passed away due to lung cancer. My family are trying to get the insurance claims for his wife and daughter, but then the insurance company has rejected our claims after 1 year of negotiation.

The reason for the insurance company rejects is they claims that my uncle is havng lung cancer before purchase the insurance 10 years ago. We are really in doubts cos during that time, my uncle bought this insurance from one of his friend, insurance agent. During that time, according to my uncle's wife, my uncle did get the appointed doctor medical report approved before purchasing.

Now after a long year of paying the premium, and finally he passed away, the insurance company did not even pay us single cents, nor refuse to pay back this 10 years funds that my uncle has paid.

We really need help on seeking a way to claims back the money. Why the insurance company can simply come out a reason to reject our claims, is there any rules sue back them?

Thanks for your time on our issues here.

The insurer can deny coverage based on misrepresentation of facts by the insured. Was he receiving treatment at the time of purchasing the policy? Now if you can prove that he wasn't under medication during the time of buying the policy, the insurer is acting under bad faith.