Health Insurance Claim Rejection It is necessary to disclose your old diseases while taking health insurance. If you do not do so, the insurance company can reject your claim. The claim can also be rejected if you do not renew the health insurance and provide incomplete information. Even if you make an insurance claim before the waiting period is over, it can be rejected.
In today’s hectic life, people have become so busy that they are not able to pay attention to their health. Also, with increasing age, many diseases also make their home in the body. In such a situation, a large part of the earnings of many people is spent on treatment. To avoid this problem, taking the help of health insurance is a very good option. But, if you do not pay attention to some important things, then your health insurance claim can also be rejected.
Why is it necessary to take health insurance?
A lot of money is spent in the treatment of many diseases. Health insurance can save you from financial problems by compensating for it. With this, you can also avoid problems like mental stress, because you know that you have the necessary amount for medical expenses. This also gives you financial freedom. You can spend your savings on other important things.
Reasons for health insurance claim rejection
If you do not submit the required documents with the claim or there is any mistake in it, then the claim can be rejected.
If you already have any disease, then the insurance companies do not approve that claim.
There is a time limit for submitting insurance claims, delaying it also causes problems.
If the claim is related to non-medical, such as accident or suicide attempt, then the claim can be rejected.
If the insurance claim is not as per the terms of the policy, then the company can also reject it.
Keep these things in mind while taking the policy
- Read the terms and conditions carefully while taking the insurance policy.
- Get information about what is covered in the policy and what is not.
- If you already have any disease, then disclose that too.
- Submit all the necessary documents while making a claim.
- Follow the time limit for submitting the claim.
- Renew the policy before its expiry.
- If there is any confusion, then seek information from the insurance agent.
What to do after the claim is rejected?
According to insurance regulator IRDAI, if you have paid premiums continuously for 60 months after taking health insurance, then the insurance company cannot reject your claim unless fraud is proven. If the claim is rejected due to incomplete information, correct it and submit it again. If there is any mistake on your part, contact the insurance company. If the company does not listen to you, then you can complain to the insurance regulator IRDAI.
