Health Insurance claim: While giving health insurance claim, the company made you read so many rules that you were stunned. Ultimately the company either rejected your claim or gave a small amount. So do this…
Insurance Ombudsman: While taking health insurance, you were made to do big promises. You also took health insurance. But, when you or someone close to you fell ill, while giving the claim, the insurance company must have made you read out so many rules and regulations that you must have been stunned.
Ultimately the company either rejected your claim or gave a very small amount. In such a situation, you got tired and sat down and accepted that you have no other option except to accept the insurance company’s words. But you have one more option left, that is to complain to the Ombudsman. You can get justice from there.
50 percent of insurance claims are rejected in full or in large parts
According to a recent report by a website called Local Circle, more than 50 percent of health insurance claims are completely or mostly rejected. Out of the complaints that come to the insurance ombudsman, 95 percent are related to the insurance claim being completely rejected or given less. This was revealed by the annual report of the Insurance Ombudsman for 2023-24.
If you also feel that your health insurance claim has been wrongly rejected, then definitely go to the Insurance Ombudsman for its solution. This is also important because the rejection of health insurance claims at a high level has been making headlines since November. The Insurance Brokers Association of India also recently released data related to the claim settlement track of general, health and life insurance.
Unreasonable charges are the biggest excuse for claim rejection
The biggest excuse of health insurance companies is the unreasonable charges of the hospital. The annual report of the Insurance Ombudsman states that insurance companies should keep everything clearly written in their terms and conditions, so that the customer is not cheated.
