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Will my claim be rejected due to a COVID vaccine related death?

10 Jan 24      |       | ShareShare Share Blog Or copy link Copy Share this link via

Authored by: Anurag Ainapurapu
Reviewed by: Krupa Kenia

The Long Read


Everything you *need to know* is right above this. Scroll down, only if you'd still like to read more (honestly, why?)

No, your claim won’t be rejected if you pass away due to a complication caused by taking the COVID vaccine. So, go ahead and feel free to take the vaccine. Typically, at the time of your term plan application, your insurer will ask you if you’ve taken the COVID vaccine or not. Do tell them about this accurately. 

 

No, your claim won’t be rejected if you’re diagnosed with COVID after you’ve taken the vaccine. Interesting fact, insurers had settled 2.25 lakh+* death claims owing to the COVID-19 pandemic tantamounting to an amount upwards of  ₹ 17,000 crores. So, don’t worry! 

 

*Up to March 2022

 

If you’re buying a new term plan, please do inform your insurer about your intent of taking the COVID vaccine. If you already have a term plan, you don’t need to inform your insurer about it.

Your claim can be rejected due to reasons like: 

  • You don’t pay your premiums on time 

  • You hide or provide inaccurate information to your insurer (such as medical history or lifestyle habits)

  • Your death is caused by illegal activities such as drunk driving or drug overdose

  • Your death is caused by an event which is an exclusion in your term policy 
     

Find out more about reasons that can deny your term insurance claim.

Yes, it’s absolutely essential that you inform your insurer about medical history, which also includes details about your history with COVID. If you don’t reveal this information at the time of buying a term plan, your claim may get rejected later on. 

 

Yes, if you’re getting your policy reinstated, you may be asked by your insurer to provide information about whether you were diagnosed with COVID or not. You may be asked for more details if you were indeed diagnosed with COVID. 

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