As to why the claim was rejected, only the customer, agent and Prudential will know.

There are legal avenues for disputing the claim if he feels that Prudential had rejected his claim blindly.

The insurer will not simply reject the claim if it has no basis for rejecting the claim. Since it is a financial product and a legal contract that is bounded by terms and conditions. Eg, go swipe your credit card and don’’t pay on time. You can’t claim that the agent did not inform you right?

One of the most basic and important T&C in insurance is that all insurer will not pay for any Pre-Existing illness if it has not been made known to the insurer during the Medical Underwriting process. Otherwise everyone will just wait until cancer were to occur before even finding an insurance.

There is also a poster that commented that 90% of the claims in hospital is rejected by Prudential. If that is the case then why make a dupe to comment and why Prudential is still accepted in most private hospitals?