By now, many health insurance policyholders would assume that if their policy has run uninterrupted for five years, they are on safe ground. After all, according to the new rule by the Insurance Regulatory and Development Authority of India (Irdai), effective from April 1, 2024, insurers can no longer reject claims on the basis of non-disclosure or misrepresentation once the ‘moratorium period’ ends, unless they can prove fraud.