Avoid denial of your health insurance claims with this guide

People purchase health insurance so that they get coverage during a medical emergency but if the claim is rejected, it becomes an overwhelming situation where the insured is forced to spend from his pocket for the medical expenses. Rejection in the case of a cashless claim does not mean that your claim is denied. You can still file a reimbursement claim. However, it is a time-consuming process with a lot of paperwork involved. Some common reasons for claim rejection are;

1. Providing incorrect information in the application form.

2. Not disclosing pre-existing diseases

3. Claim made during the waiting period

4. Not raising the claim within the time limit

In this blog, we will discuss how you can avoid getting your health insurance claims rejected. Here are some basic pointers.

How to avoid claim rejection?

Insurance companies follow a proper process to verify a claim request against your policy coverage before it is rejected. Hence a policyholder should provide complete, accurate, and the most recent information while applying for a health insurance policy. To avoid claim rejection, follow the points given below.

1. Disclose correct information -

Do not hide any important update on your health from your insurer, as it may lead to claim rejection. Provide correct information while applying for a policy. Also, if there is any change in your health condition, do update your insurer during policy renewals. It will help you get the right coverage so that your claims are not rejected. Note that incorrect information is considered fraud because the premium is decided based on the information you provide.

2. Purchase adequate cover -

Purchase a cover according to your health, lifestyle, and city. If you stay in a tier-1 city but do not have a cover sufficient enough to pay for medical expenses, you will have a high out-of-pocket expenses which might create a dent in your overall financial portfolio.

3. Get regular medical check-ups done -

Getting regular medical check-ups will keep you updated on the state of your health and medical test reports can be used as proof of your existing health condition in case there is a dispute related to a claim.

4. Follow the claim procedure -

Understand your insurer’s claim procedure and follow it diligently if you do not want your claim to be rejected. Notify the claim within the specified time limits. Get admitted to a network hospital for a cashless claim. Fill out the cashless form correctly and provide all the necessary documents, including your id proof and health insurance documents.

5. Renew your policy on time -

Always renew your policy on time to have continuous coverage. Otherwise, your claim will be rejected if you forget to renew your health insurance plan on time.

Conclusion

By following the above-mentioned points, you can easily avoid claim rejection. In case your claim still gets rejected, approach the claim settlement team of your insurer to understand the reason for the rejection. At Zurich Kotak General Insurance, the claims process is simple and fast. Call our customer support if you need help regarding the health insurance claim procedure.

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