Why Insurance Claim Rejects: Lakhs of people across the country take health insurance to avoid hospital expenses, but when the claim is rejected, they are very sad. But, do you know about the 5 major reasons for insurance claim rejection? Often health insurance claims are rejected due to these 5 reasons. Let us tell you how
There are many important clauses in health insurance, these include waiting period, non-coverage diseases and list of blacklisted hospitals. Waiting period is very important among these. Actually, insurance companies fix a fixed time for some diseases and pre-existing diseases, which is called waiting period. In such a situation, if a claim is made for the treatment of the concerned disease during the waiting period, then it gets rejected.
It is also important to understand the condition related to non-coverage in the health insurance policy. Under this, the treatment of some diseases is always out of coverage. These include habits like drug addiction, so it is important to know about this before buying a policy.
While taking health insurance, it is very important to give correct information about your health to the company, because if this is revealed at the time of claim then the company can refuse to pay the money.
After taking health insurance, it is usually better to get treatment in the company’s network hospital. Actually, insurance companies have blacklisted some hospitals. In such a situation, if you get treatment in these hospitals, there is a possibility of the claim being rejected.
Apart from this, if the policy holder gets admitted to the hospital without any need, then the claim can be rejected. In case of normal fever, which can be cured with medicines, if the patient gets admitted to the hospital for treatment, then the claim is not received after examination.
