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 unable 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 income 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 troubles by compensating for it. This can also save you from problems like mental stress, because you know that you have the required amount for medical expenses. This also gives you financial freedom. You can spend your savings on other important things.
Reason for health insurance claim rejection
- If you do not submit the necessary 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 either.
- There is a time limit for submitting insurance claims, delaying it also causes problems.
- If the claim is related to non-medical, such as an accident or suicide attempt, then the claim can be rejected.
- If the insurance claim is not as per the terms of the policy, then also the company can 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 it as well.
- Submit all the required documents while making a claim.
- Follow the deadline for submitting the claim.
- Renew before the policy expires.
- If there is any confusion, seek information from the insurance agent.
What to do after the claim is rejected?
According to the insurance regulator IRDAI, if you have paid the premium continuously for 60 months after taking health insurance, then the insurance company cannot reject your claim, unless fraud is proved. If the claim is rejected due to incomplete information, then correct it and submit it again. If there is any mistake from your side, contact the insurance company. If the company does not listen to you, then you can complain to the insurance regulator IRDAI.
