Ladies, do you have health insurance? Or are you going to get it done? If yes, then this news is for you only. So that, when you need your health insurance in the future, you do not have to face any problem. Let us understand some important aspects related to health insurance in the light of insurance experts and recent cases….
Health Insurance expert advice: What are the reasons why health insurance gets rejected at the last moment? At a time when insurance policyholders need the benefits of health insurance the most, they remain deprived of its benefits. Recently LocalCircle conducted a survey. 39 thousand people were included in this survey conducted in 302 districts of the country. The survey found that overall 43 percent of insurance policyholders faced difficulties in availing their health insurance claims in the last three years.
Of those surveyed, 67 percent were men while 33 percent were women. Of these, 46 percent were from Tier 1, 32 percent from Tier 2 and 22 percent from Tier 3, 4 and rural districts. Many times it happened that it took so much time for the patient to receive the claim that the patient stopped any discussion or effort in this regard. In many of these cases, people thought it better to take leave from the hospital as much as possible, because if they had remained in the hospital, they would have had to bear all the expenses.
If you have taken a policy then keep these things in mind…
Shilpi Arora, co-founder and COO of Insurance Solutions, says that sometimes jargon and confusing contract terms at insurance companies lead to disputes over coverage and pre-existing conditions. This report of LocalCircles points towards the challenges on the ground. She says that fully understanding an insurance policy involves knowing what is and is not included in it. Maintain a file of all your medical documents and policy documents so that when you make a claim, the processing is quick and hassle-free.
