Private insurance companies are not allowed to exclude applicants for the basic insurance policy on medical grounds. (businessinsider.com)
However, the business has demanded that a doctor's note be provided to prove there are medical grounds for the cancellation before they will issue the refund. (law.stackexchange.com)
It is advisable to buy medical insurance when you are young, as fresh medical insurance taken just prior to retirement could be refused on medical grounds. (rediff.com)