Same trip, same loss: why was one insurance claim rejected?

Two insured individuals on the same trip filed trip curtailment claims after cutting short a holiday due to a severe allergic reaction to a prescribed antibiotic.

The husband's claim was approved, but the wife's claim was rejected because there was no overseas hospitalisation for more than five consecutive days.

The insurer's differential treatment based on identical facts raises concerns about consistency in claim assessment under the same policy conditions.

Policy conditions requiring hospitalisation should be interpreted in context; returning to India for timely treatment should not automatically void coverage.