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Wondering Why Your Health Insurance Claim Was Rejected by Your Insurer?

by kumar rahul Best Insurance Deals

Health insurance policy could be rejected if you fail to meet the company guidelines. Apart from that, there are a number of reasons why insurance companies may refuse to give you claim or cut down on the claim amount. Let's have a look at why your health claim might get rejected by the insurer:

  • You Did Not Disclose All The Important Information: Mediclaim policies are designed on the basis of a number of factors such as the age of the insured, the vocation they are into, any ailment that the insured might be having, etc., among others. Health insurers provide the coverage on the basis of the information you disclose. So, if you intentionally conceal any of the important factors regarding the policy you are buying, you may face rejected at the time of filing a health insurance claim. So make sure that you are not hiding any of the crucial details that could be important to the policy issuance.
  • You Made Claims for Pre-Existing Diseases During the Waiting Period: If you buy a mediclaim policy after the diagnosis of a pre-existing disease, you will have to wait for a certain period before you can officially claim. If you raise a claim to the health insurance company for the treatment of pre-existing disease during the waiting period, your claim could get rejected. Health insurance companies’ waiting period generally ranges from one to four years.
  • You Made Your Claim Late: All the health insurance companies in India have a specific time frame during which a claim needs to be raised. You have to inform the health insurance provider within 24hours of admission in case of emergency hospitalization to avail the benefit. In the case of planned hospitalization, the health insurance provider should be informed weeks in advance. Your health insurance claim could get rejected if you do not follow this prescribed time-frame.
  • Your Health Insurance Plan Has Lapsed: After purchasing a mediclaim plan, it is entirely your responsibility to make sure that the policy is renewed on time. You should keep in mind that you will cease to get the coverage and benefits of your health insurance if there’s a gap in the renewals of your policy. So in case, your claim gets rejected, don't be surprised.

So make sure that you do not repeat the above-mentioned mistakes to avoid the rejection of your health insurance policy. Meanwhile, you can click here to check out some of the top health insurance plans available in India.


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About kumar rahul Advanced   Best Insurance Deals

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Joined APSense since, October 31st, 2018, From Kolkata, India.

Created on Aug 26th 2020 00:28. Viewed 98 times.

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