{
  "id": 19098830,
  "title": "Can insurers reject claims after five years?",
  "url": "https://urgent.news/2026/11/09/can-insurers-reject-claims-after-five-years",
  "topic": "business",
  "section": "Business",
  "published": "2026-11-09T01:00:00.000Z",
  "source": {
    "name": "The Economic Times",
    "slug": "the-economic-times",
    "url": "https://economictimes.indiatimes.com/wealth/insure/health-insurance-claims-how-the-moratorium-clause-protects-you-after-five-years/articleshow/135610603.cms"
  },
  "original_language": "en",
  "account": "The Insurance Regulatory and Development Authority of India (IRDAI) has introduced a five-year moratorium period for health insurance policies, effective in 2024. This rule protects long-term policyholders from insurers rejecting claims based on undisclosed pre-existing conditions or misrepresentation. Under the moratorium period, which applies to policies with continuous coverage for 60 months, insurers cannot contest claims related to undisclosed conditions after completing five years of coverage. However, this protection does not guarantee claim settlement; insurers can still reject claims in cases of fraud. The onus of proving fraud lies with the insurer. If an insurer denies a claim after the moratorium period, policyholders have stronger grounds to challenge the decision before the Insurance Ombudsman or other grievance redressal forums.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}