19/08/2026
SMOKER NAMATAY.
NILAGAY SA APPLICATION NON SMOKER.
ANO MANGYAYARI? MADEDENY BA ANG CLAIM?
SAGOT:
FIRST COMMENT:
YES, possible. NO
Hindi kailangang konektado sa cause of death ang maling information para maging dahilan ng claim denial.
đź“Ś The Law:
Under Sections 31 and 45 of the Insurance Code, material ang information kung maaari nitong maapektuhan ang desisyon ng insurer na:
• I-approve o tanggihan ang application
• Taasan ang premium
• Humingi ng additional medical examination
Ang tanong ay hindi lang:
“Yosi ba ang ikinamatay niya?”
Ang mas importanteng tanong:
“Would the insurer have issued the same policy at the same price kung sinabi niya ang totoo?”
đź“Ś The Catch:
Hindi automatic na denied ang claim dahil lang may maling sagot. The insurer must establish that the information was false, material, and raised within the applicable period.
Fact:
Insurance underwriting is based on the risk presented when you applied—not only on what eventually caused your death.
Lesson:
Never hide smoking, medical consultations, medications, or previous diagnoses just to get a cheaper premium.
A lower premium is useless if the misinformation gives the insurer a valid reason to contest your family’s claim.
If you’re planning to get coverage, the goal should not be approval alone. It should be a policy your family can successfully claim.
